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Monzo for 16-17 year olds

A Monzo account with (almost) everything you get as an adult. Instant spending notifications and smart budgeting help you manage your own money, while blocks on some age-restricted things keep you safe.

UK residents only. Ts&Cs apply.

Definitely not a ‘junior’ account

This isn’t a minimalist version of our account – it’s the same one people over 18 can open now. The only major difference is we’ve blocked spending for some things which are illegal if you’re under 18, like gambling.

You'll get:

  • a contactless debit card, so you can take out cash and spend online and in shops around the world. Monzo works with Apple Pay and Google Pay too. No clunky card readers here

  • a full UK current account with an account number and sort code, so you can send and receive money, and set up Direct Debits and standing orders

Transaction feed screen of a junior Monzo account, showing a balance of £241.60, and some recent transactions. Just behind the screen is a hot coral Monzo card.

Manage your own money

Set yourself spending budgets for things like shopping and eating out. You’ll get instant notifications when you spend, and we’ll tell you if it looks like you’re spending too fast.

Splitting bills with friends is a breeze if they’re on Monzo too. Do it through the app in a few taps – no need for calculators.

Two device screens, one showing a lock screen with the notification that they spent £5.80 at "Shoreditch Grind". The other screen shows the balance screen, with a graph showing account balance for July.

Take Monzo on holiday

You can use your card for free anywhere in the world, with no sneaky fees added to the exchange rate.

We won’t block your card if we see you using it somewhere unusual, but we will give you travel tips and send you a summary report when you get home.

If Monzo's your main bank account, make unlimited fee-free withdrawals in the European Economic Area (EEA), and up to £200 every 30 days anywhere else. After that, we'll charge 3%. You can see a full list of EEA countries here.

"Welcome to Portugal" notification above a screen showing the approximate exchange rate between euros and pounds.

No fees and charges

You won’t be able to get an overdraft if you’re under 18, but we won’t charge you if you spend more than you’ve got and accidentally go overdrawn.

The tada emoji with confetti
Two screens, one showing the create an account screen, and the other showing the confirm card details screen.

Open an account in 10 minutes

You just need your phone and some photo ID (like a passport or provisional driving licence). No waiting two weeks for an appointment, and no queuing in the branch.

Download the app from the App Store or Google Play Store to get an account in minutes, and your shiny hot coral debit card in the post a couple of days later.

Help us build the kind of bank you want to use

Download the Monzo app on iOS or Android and join more than 9 million people who've changed the way they bank.