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MillennialFalcon

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Review of the Monzo, Under 16s account:

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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

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