Write a review

Go to business site

Monzo: Under 16s account reviews

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

View other Monzo products

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

Read all reviews Write a review

About this product

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

Review Monzo: Under 16s account now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Great account for my son

This is great, son has his own card, he loves that he can pay for things himself Reviewed on: 20th March 2026

Ideal for kids,my son finds it easy to use

Ideal for kids,my son finds it easy to use Reviewed on: 20th March 2026

Wouldn't bank anywhere else as a family!

User friendly, simple, safe secure service, love the brand, does everything we need. Give our children the independence to start learning how to manage their money, allowing us to monitor and guide from a distance. Reviewed on: 20th March 2026

Monzo’s under 16 accounts are absolutely fantastic,...

Monzo’s under 16 accounts are absolutely fantastic, I have opened one for each of my children. They are easy to use and have a range of colours to choose from for the card which my kids love! In the event of a lost card, it is really easy to freeze the card and order a new one of which their is a small fee but for how quick it is re made and delivered it is so worth it! I have had experience of dealing with their customer service and they were really informative, friendly and helpful. Reviewed on: 20th March 2026

Excellent for U16

My daughter (now 13) has been using Monzo for about 3years now. Its a great under 16 card. She has learned money management, savings and how to control spending. It also alerts me whenever she buys something, and stops her from purchasing from stores she shouldn't be (eg off licence etc etc). In addition, I can freeze her card if she looses it (which she's done twice now!) and getting a replacement is super quick and easy (much faster than my own high street bank!) Just great all round. Reviewed on: 20th March 2026

Extremely user friendly app

Extremely user friendly apo. No fuss transferring between accounts a great interest rates.very easy to open a savings pot and with the round up facility, every little helps to add to savings. The under 16s current account and savings acc allow my teenager to learn about money and savings.. Reviewed on: 20th March 2026

Controlled responsibility

I’ve had a Monzo account since before they had a banking licence, so when the Under 16s account was launched I was an early adopter. We found it gives us enough control while giving our daughter the freedom and responsibility to manage her own spending. Although the customer service experience is different to traditional banks, I’d seldom go to a branch and now there aren’t any, so comparing Monzo to traditional banks’ call centres, they’re far more responsive and I’ve always found both free and paid accounts offer excellent value and a rich feature set. Reviewed on: 20th March 2026

The new modern day bank

Love Monzo for my accounts and then being able to hep my 13 year old manage his money via their under 16’s account has been a game changer Reviewed on: 20th March 2026

Amazing, very good for the kids and I am in control...

Amazing, very good for the kids and I am in control of it Reviewed on: 20th March 2026

Quick and Easy to set up and fast delivery of card.

Quick and Easy to set up and fast delivery of card. Great control for parents Reviewed on: 20th March 2026

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Current account
from Hampden Bank 4.50 from 5 reviews
ufirstgold Account
from Ulster Bank 4.27 from 5 reviews
Current account
from Cater Allen 0.00 from 0 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Flex Purchase credit card
from Monzo 4.97 from 3172 reviews
Investments
from Monzo 4.94 from 1131 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub