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Monzo: Under 16s account reviews

View other Monzo products
4.90
Based on 946 reviews, last reviewed 20th Aug 2026
100% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
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See only 5 star reviews
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Latest highest rating:

5

Fantastic & free! Monzo’s free under 16s account has helped my children to learn how to manage their money effectively. Two of my children have decided to stick with Mo... Read more Reviewed on: 20th August 2026
Abi Jones's avatar
Abi Jones

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 (946)

Free banking service for my LG to learn how to manag...

5
Free banking service for my LG to learn how to manage her own money! Fab. No issues, app easy to use and manage. I can also see what she is spending too! Great! Reviewed on: 9th February 2026
Jemma H's avatar
Jemma H

Everything on Monzo is just so easy to manage, in a...

5
Everything on Monzo is just so easy to manage, in a stressful life Monzo is stress less. I can move money around so easily Reviewed on: 9th February 2026
Suzanne S's avatar
Suzanne S

Boosting confidence in Kids

5
My 9 year old daughter’s first account with a debit card. She has truly enjoyed paying independently for her purchases at the merchants by just tapping her first ever card. This has boosted her confidence. Reviewed on: 9th February 2026
Anne F's avatar
Anne F

Excellent app - easy monitoring

5
Excellent app, can track and monitor daughters spending without being intrusive Reviewed on: 9th February 2026
Matt 's avatar
Matt

Financial literacy for my child

5
Children's Bank Account has helped my son gain financial literacy and encouraged saving for the things he wants to do. The app is simple to understand and allows people to send money to him directly for special occasions. He really loves the cartoon dog personality. Monzo also allow API connectivity so we can show his savings goals on a smart screen we have mounted on the wall to continually remind him how well he's doing. It's a shame it doesn't have it's own account number and sort code but other than that its a great tool. Reviewed on: 9th February 2026
MH's avatar
MH

Perfect for our needs

5
No charge for accounts and links to both parents account; so easy to send money and you can take it back too!!!! Reviewed on: 9th February 2026
A very grateful user's avatar
A very grateful user

The Under 16 account is great, very easy to set up,...

4
The Under 16 account is great, very easy to set up, and very useful to manage the entire family accounts from the app — specially if your main bank account is Monzo. It still lacks some features such as more controls for the co-guardian, and the ability to create challenges for the children. However, it's still very robust and easy to use. Reviewed on: 9th February 2026
Eslam's avatar
Eslam

I cannot fault Monzo!

5
I cannot fault Monzo - never has banking and finance management been so simple and accessible, for my whole family! Reviewed on: 9th February 2026
Sarah's avatar
Sarah

I have been with Monzo for around 5 years now and it...

5
I have been with Monzo for around 5 years now and it’s just amazing that the under 16s account is available to my children to put away savings for there future Reviewed on: 9th February 2026
Mandy Ferguson's avatar
Mandy Ferguson

Opened an under 16s account for my daughter

5
Opened an under 16s account for my daughter, she has gained a lot from having control of her own money, loves having a card and the parental access and control is excellent, pocket money and rewards are simple would have loved this at her age Reviewed on: 9th February 2026
Chris M's avatar
Chris M

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