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Monzo: Under 16s account reviews

Name: Under 16s account
Rating: 4.97 (944 reviews)

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4.97

Based on 944 reviews, last reviewed 20th Apr 2026

52700% 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.

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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)

Independence for my child, peace of mind for me!

As a parent, I was keen to ensure my child could access money when needed while also keeping things safe and structured. It was important to me that this came with clear boundaries and some level of oversight. Being able to set a spending cap and receive quick notifications of any transactions has made that much easier. It has allowed me to give my child a sense of responsibility and independence, while still keeping a watchful eye on how the account is being used. The setup process was straightforward and quick and with no charges or fees we had everything up and running within just a couple of days. Now he is able to see and track his own spending, which has helped him become more thoughtful and conscientious about how he uses his money. He also enjoyed choosing from the different card designs available and liked the option to personalise the card without having to display his full name. Overall, it has been a positive way for him to start learning about money management. He can earn pocket money, practise saving and begin to understand how to manage his finances independently, all while knowing that we are still able to provide guidance and oversight when needed. Reviewed on: 6th March 2026

Top bank, Monzo!

Love monzo, easy to use and has loads of benefits. The use of pots is so easy and also helps save when you need that little extra. Opened an u16s account for my son so he has also started saving Reviewed on: 6th March 2026

Easy to set up, manage and access.

Easy to set up, manage and access. Kids have their own app so can manage their money. Great Reviewed on: 6th March 2026

Helped a lot

When i came to this country united kingdom monzo helped me to have my own bank account it helped me a lot ... Thank you so much for everything .... Reviewed on: 6th March 2026

Great service for under 16s.

Great service for under 16s. Having it linked to my card whilst giving them the independence to be able to spend and also track their spending easily. Being able to see how much they spend and how the small items add up has been a useful learning experience. Reviewed on: 6th March 2026

Quick and efficient services

Excellent service when I had a problem with my child's card and account my child has special needs and they quickly resolved the problem for him right then and there great customer service very understanding and friendly Reviewed on: 6th March 2026

A bank that won't let you down.

Comprehensive. It has everything that only a bank can offer. Easy to use. I love it. Reviewed on: 6th March 2026

Great app, easy to use and setup and is good for my...

Great app, easy to use and setup and is good for my teen to keep track of finances. Reviewed on: 6th March 2026

The app is so easy to use, the easy access to transf...

The app is so easy to use, the easy access to transfer between accounts can automatically see what has been spent. Easiest and most efficient bank I’ve used Reviewed on: 6th March 2026

Monzo is a fabulous account for under 16s, they have...

Monzo is a fabulous account for under 16s, they have control of their money, but parents can keep an eye on the account and money can be transferred easily into the account. Reviewed on: 6th March 2026

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