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S Smith

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Review of the Monzo, Under 16s account:

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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

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