Safety features for under 18s accounts
Under 18s accounts have parent or guardian controls built in to help your child use their account safely.
As the primary parent or guardian, you can add money, set up scheduled pocket money, manage limits, control card settings and freeze or defrost their card.
Spending and sending limits
You can set your child's daily spending limit between €0 and €300 across card spending and cash withdrawals.
Cash withdrawals are limited to €100 a day and count towards the €300 spending limit.
From age 14, if payments are switched on, you can also set a separate daily sending limit between €0 and €200, with a default of €50.
This sending limit is shared between bank transfers and Bizum. Setting it to €0 pauses all sending without deactivating Bizum.
You can also block future payments to a payee. Blocking a payee won't cancel or reverse a payment that's already been made.
Card controls
You can control whether your child can use:
contactless payments
online payments
cash withdrawals
Other safety features
We automatically block some shops and businesses that aren't suitable for children. These blocks can't be removed.
Payments outside the SEPA area, payments in other currencies, Direct Debits, payment requests, Monzo-to-Monzo payments from the child account and Bizum requests and invitations aren't available.
Blocked categories
To help keep Monzo safe for children, we automatically block some shops and businesses that aren’t suitable for them. These blocks can’t be removed.
