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Monzo: Under 16s account reviews

Name: Under 16s account
Rating: 4.89 (944 reviews)

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4.89

Based on 944 reviews, last reviewed 20th Apr 2026

205% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

99%

2 star

Latest highest rating:

5

A game changer for kids accounts The Monzo account for under 16’s has been a game changer. With no fees, a straightforward app and, most importantly, the ability to manage alongside m... Read more Reviewed on: 20th April 2026

Latest lowest rating:

1

U16 account is a nightmare-avoid at all costs It is aboslutely the worst experience trying to set up a child account in Monzo. I cannot believe it has such a high rating. Links don't work, it is c... Read more Reviewed on: 11th April 2026

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About this product

A free account for kids that keeps up as they grow up.

Awards

Best children's financial provider 2025

Awarded to the children's savings or bank account provider rated highest in customer reviews.

Monzo Under 16s account reviews (944)

Review of the Monzo, Under 16s account:

Simple, easy, fastest and free.

Simple, easy, fastest and free. The best banking I've ever used in the UK. Reviewed on: 9th February 2025

Love how I only have access to add money and can see...

Love how I only have access to add money and can see where he is spending. I love I can have restrictions where he spends and can block access Reviewed on: 14th April 2026

U16 account is a nightmare-avoid at all costs

It is aboslutely the worst experience trying to set up a child account in Monzo. I cannot believe it has such a high rating. Links don't work, it is completely unintuitive. Nor account code or sort code. The payment into the account is so hidden and very complicated. Zero support. Reviewed on: 11th April 2026

Ease of use.

Ease of use. Simple presentation. Reviewed on: 7th April 2026

Just love how easy it is to use and best of all it’s...

Just love how easy it is to use and best of all it’s free Reviewed on: 7th April 2026

Monzo is great.

Monzo is great. I use a current account and love the features - sending money to friends with ease, using my card abroad, having various little pots, the 1p savings challenge. I set up a current account for my kids which has been really good - love that I can see what they are spending, that they get a card, it feels safe and secure. Reviewed on: 7th April 2026

*In searching for the best under 16s account, I made...

*In searching for the best under 16s account, I made the transfer to Monzo both as a current account and business account due to its online modern banking facilities with many perks and savings, pensions and investment options! *The 'get pad early' facility is useful to cover unexpected bills and the transfers between accounts and payees is straight forward! *Their fraud team is exceptional with an immediate chargeback refunded within just "1 hour" pending further investigation as a courtesy to mitigate any inconvenience to myself! **Amazing banking with Monzo and would highly recommend!** Reviewed on: 7th April 2026

So easy and transparent

I love firstly how easy it was to set up my childrens' accounts, but also how transparent everything is. Monzo makes things nice and simple, cutting through the fluff and keeping information clean and simple. Kids loving using their accounts. Reviewed on: 7th April 2026

Moved my daughters account from another bank, she ha...

Moved my daughters account from another bank, she has good control and can save in pots and i can monitor everything and set spend limits for her Reviewed on: 7th April 2026

Compared to the typical go Henry account or paid acc...

Compared to the typical go Henry account or paid accounts, it's unbelievable what Monzo offer for free. The mobile friendly app and UI is perfect and access to savings accounts is ideal for easy long term planning. Reviewed on: 7th April 2026

Very smart I can track my son expenses

Very smart I can track my son expenses Reviewed on: 7th April 2026

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