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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)

Easy to move money to under 16 account and my son ca...

Easy to move money to under 16 account and my son can grow his own pot Reviewed on: 6th March 2026

We all use Monzo in our family!

We all use Monzo in our family! I have 2 under 16 accounts for my children and find it so easy and they live their colourful cards! Also the independence it gives them. Reviewed on: 6th March 2026

Best under 16s account

My daughter has had Monzo under sixteen for a few years now. This is her third under 16 account with other banks. So it is easier to make a comparison. It’s child friendly, it’s linked to my main account so I can see in real time how she deals with her accounts, I love the pot features as it encourages her to save, you can customise the account with different colours and upload photographs for your saving pots also the debit card itself are vibrant colours. The other accounts she had were not user friendly. I do t have direct access to the account so was not aware of her spending habits etc. As she will be turning 16, this will be her main account and to see how her account transition to a normal account. Thank you Monzo Reviewed on: 6th March 2026

Straight forward set up.

Straight forward set up. Easy to manage. Reviewed on: 6th March 2026

I love Monzo ! The best Banking app!

I love Monzo especially how easy they make it to manage your money and give your little ones financial freedom. Reviewed on: 6th March 2026

Brilliant app and do easy to use.

This account was so easy to set up, it was straight forward and all while in the comfort of my home. Since setting this account up my son loves the fact that he can see what he's got in this bank, we pay his pocket money in each week to him, and when he completes his home work in time he will get rewarded a little more. He says he is saving to buy a new Playstation Game, when he got his pocket money in cash he would just spend spend but now he's in control of his money and he knows what he needs to put away each week to save for his Game. The app is so easy to use, you can transfer money from your own account to your child's account in seconds. Reviewed on: 6th March 2026

They are nice putting up information that helps you...

They are nice putting up information that helps you to make decisions about savings Reviewed on: 6th March 2026

i been using monzo for a few years and set the child...

i been using monzo for a few years and set the children up also, they get to have saving pots along side the account which is brilliant to help save for the future Reviewed on: 6th March 2026

I would recommend under 16 account service

Monzo offers free account for under 16s , no top up fees, interest on savings, neon debit card. There is a parental control and I can see the transactions instantly, you can set spending limits. Pocket money scheduling and child- friendly Monzo app. Reviewed on: 6th March 2026

Very good service!

Very good service! easy for my kids to use and I like that I can control their spending Reviewed on: 6th March 2026

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