All about the under 18s account
Under 18s accounts are free accounts for children aged 6–17. They're linked to your Monzo current account, so your child gets their own card and app while you stay in control.
As the primary parent or guardian — the person who opened the account — you own the account and the money in it.
What your child can do
Your child can:
use their card in shops and online
see their balance and activity
use Pots, if available
freeze their card if it's lost
customise parts of their app
use Apple Pay or Google Pay from age 14, if available and their device supports it
Payments from age 14
You can switch on payments from age 14.
Once you've given consent and your teen has completed their payments identity check, they'll get their own IBAN and BIC and can send and receive SEPA Standard and SEPA Instant euro payments in Spain and across the SEPA area.
You set one daily sending limit between €0 and €200, with a default of €50. This is shared between bank transfers and Bizum.
Bizum doesn't activate automatically. Your teen needs to activate it separately using their own Spanish mobile number.
They can't make payments outside the SEPA area or in other currencies, use Direct Debits, or send Bizum payment requests or invitations.
Opening an account
You'll need a Monzo Spain current account. We'll ask for your child's details and ID.
Spanish citizens need a DNI. EU/EEA or Swiss citizens need a passport or national identity card. Other customers need a passport or TIE.
Eligible deposits are protected up to €100,000 per person, per bank, combined with your other eligible Monzo deposits.
