Limits and restrictions for children
As the primary parent or guardian, you can manage the spending limits and controls on your child's Under 18s account from your Monzo app.
Daily spending limit
You can set your child's daily spending limit between €0 and €300 for shopping, online payments and cash withdrawals.
Cash withdrawals are limited to €100 a day, count towards their spending limit and have the same limit in Spain and abroad.
Sending and receiving payments (14+)
From age 14, once you've enabled payments and your teen has completed their payments identity check, they'll get their own IBAN and BIC to send and receive euro SEPA payments.
You can set a separate daily sending limit between €0 and €200, with a default of €50.
This limit is shared between bank transfers and Bizum.
Setting it to €0 pauses sending without deactivating Bizum.
Incoming Bizum payments don't count towards this limit, but standard Bizum limits still apply.
You can block future payments to a particular payee, but this won't cancel or reverse payments already made.
Managing spending limits and card controls
You can also switch contactless payments, online payments and cash withdrawals on or off.
To manage these settings:
Open your child's Under 18s account in the Monzo app.
Tap the three dots.
Tap Manage account.
Tap Spending limits.
Update their limits or card controls.
If your changes don't appear straight away, close and reopen the Monzo app.
Payment links and other restrictions
Your child can receive up to €250 through payment links in any rolling 30-day period.
People without Monzo can send up to €100 per payment, while Monzo customers can send up to €250 per payment.
The first two replacement cards each year are free. After that, they cost €5.
Your child can't make non-SEPA international payments, use Direct Debits, send Bizum payment requests or invitations, or contact us directly about their account.
Blocked categories
We automatically block payments to certain businesses that aren't suitable for children, including gambling, adult services and tobacco.
For children aged 6–15, you can also choose whether to block payments to businesses Mastercard categorises as selling alcohol.
This can sometimes include places like restaurants, cinemas, sports venues or corner shops, because Mastercard categorises the business as a whole rather than individual purchases.
To manage this setting:
Open your child's Under 18s account in the Monzo app.
Tap the three dots on their card.
Select Blocked categories.
Use the toggle to block or allow these payments.
This optional block is off by default, but you can turn it on or off whenever you like.
All other blocked categories remain unchanged.
Please note:
This setting is only available for children aged 6–15.
It doesn't apply to 16–17-year-old accounts.
We're gradually rolling out this feature, so you might not see the option straight away.
Deposit protection
Eligible deposits are protected up to €100,000 per person, per bank, combined with your other eligible Monzo deposits.
Still need help?
If you need any more help managing your child's account, contact us in the app.
