What Under 16s family members can do
Adding someone else as a family member means you can look after your Under 16s accounts together.
Family members should be someone you share caring and financial responsibility with. They need to be closely related to the child, and over the age of 18.
We may ask them to verify their relationship to the child at a later date.
Family members need to have a Monzo account. You can add someone you share a joint account with, but you don’t need to share a joint account to add someone as a family member.
What can family members do?
Family members can:
Add money to the child’s card – from a Monzo personal or joint account
View card activity – see the child’s balance and transactions
Manage the card – freeze and defrost it if needed
View Pots – see Pot deposits and withdrawals
Receive notifications – about the child’s activity
Leave the Under 16s account if they want to
Only the main account holder can:
Add or remove other family members
Close a child account
Move money out of the account
Set spending limits
Grant a child access to the app and view the PIN
Lock Pots
Who owns the money in Under 16s accounts?
The main account holder legally owns the money in Under 16s accounts.
We’ll include the total funds in any Under 16s accounts in the main account holder’s overall FSCS allowance with us, which is £85,000. You can’t use the FSCS allowance of the person you invite as a family member.
You also won't be able to transfer the Under 16s account ownership to the other family member.
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Related articles
- Opening an Under 16s account
- Child requirements
- Safety features for children
- Limits and restrictions for children
- Sending money to your child
- Freezing or replacing your child’s card
- Apple Pay and Google Pay for 13+
- Turning 16 with an Under 16s account
- Using an Under 16s account abroad
- Joining an existing Under 16s account
- Managing an Under 16s payment link
