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Monzo: Under 16s account reviews

View other Monzo products
4.89
Based on 945 reviews, last reviewed 11th Jun 2026
95% decrease in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
98%
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1%
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Latest highest rating:

5

Happy mum & happy kid I am Bank of Scotland customer and I wanted a card for my 12 year old kid but they proposed me only card where I cannot see anything what's done on th... Read more Reviewed on: 11th June 2026
Agnieszka K's avatar
Agnieszka K

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
Mike's avatar
Mike
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About this product

Monzo offer a free bank account for under 16s, with controls set by their parent or guardian.

Kids get their own neon card and can see their money in the Monzo app. Parents or Guardians can keep an eye on the account, set spending limits and schedule pocket money.

Monzo under 16s account reviews help you find out what it’s like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

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Monzo Under 16s account reviews (945)

Smooth and secure

4
Smooth and secure and I can recommend it to parents. Can monitor my son's activity and give him freedom at the same time Reviewed on: 6th March 2026
Miklos Sarosi's avatar
Miklos Sarosi

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

5
Easy to move money to under 16 account and my son can grow his own pot Reviewed on: 6th March 2026
Vee A's avatar
Vee A

We all use Monzo in our family!

5
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
Elise H's avatar
Elise H

Best under 16s account

5
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
emma's avatar
emma

Straight forward set up.

5
Straight forward set up. Easy to manage. Reviewed on: 6th March 2026
Gemma P's avatar
Gemma P

I love Monzo ! The best Banking app!

5
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
Paixlea 's avatar
Paixlea

Brilliant app and do easy to use.

5
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
shaun smith's avatar
shaun smith

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

5
They are nice putting up information that helps you to make decisions about savings Reviewed on: 6th March 2026
Chinwendu N's avatar
Chinwendu N

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

5
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
nichola d's avatar
nichola d

I would recommend under 16 account service

5
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
Damyanka M's avatar
Damyanka M

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