Trusted Access (also known as Third Party Access) is an arrangement where a Monzo customer grants a trusted person—like a family member, friend, or legal representative—the ability to help manage their bank account and make financial decisions on their behalf.

Whether you need a little help managing your app, or you are stepping in to support a loved one who has lost the capacity to make decisions, there are two main routes you can take: Informal Access or Formal (Legal) Access.

Informal access is a great option if you still have the mental capacity to make your own decisions and can give informed consent, but want a trusted friend or family member to help you manage your account.

We have two types of Informal Access available:

View-only access: Your trusted person is authorised to speak to our team and review your account. If they have their own account, they'll be able to see your balances and transactions in the app.

Custom access: Your trusted person is authorised to speak to our team and raise queries on your behalf. If they have their own account, you can choose from a list of features and permissions to give them - like turning on payment notifications, getting a card and making payments from your account.

See below for details of the access and features we can offer:

Please note: The optional features listed above are only available if your trusted person has a Monzo account. If they don’t have their own Monzo account, they will only be able to support you by contacting us via phone or email. From October, people without a Monzo account can use Trusted Access in the app. If you set up access before then, you'll need to contact us to move to the in-app experience.

Formal access is based on legal documentation. It is the right option for long-term planning, or if someone has lost the mental capacity to manage their own finances.

Because legal frameworks differ across the UK, the document you need depends on where the account holder lives:

Lasting Power of Attorney (LPA): A long-term legal document that stays valid even if the account holder loses capacity. Must be registered with the Office of the Public Guardian (OPG).

Enduring Power of Attorney (EPA): Older documents signed before October 2007. We still accept these as long as they are correctly registered with the OPG.

Deputy Court Order: Issued by the Court of Protection when someone can no longer make decisions and does not have an LPA.

General / Ordinary Power of Attorney (GPOA / OPOA): Used when the account holder still has mental capacity but needs temporary legal help. Must contain specific legal wording and be correctly witnessed.

DWP Appointeeship: A specific setup where the Department for Work and Pensions (DWP) authorises someone to manage benefit payments. Please note: Appointees can only manage accounts via phone or email

Continuing / Combined Power of Attorney (POA): Allows an Attorney to handle financial affairs. Must be registered with the Office of the Public Guardian (Scotland).

Guardianship Order: A court order applied for through the Sheriff Court granting long-term legal authority to manage money and property.

Enduring Power of Attorney (EPA): A legal document prepared with a solicitor and registered with the Office of Care and Protection (OCP) once the account holder starts to lose mental capacity.

Controllership Order: A legal arrangement where the High Court of Justice appoints a person (a "Controller") to manage the property, finances, and affairs of someone who lacks mental capacity.

Short Procedure Order: Issued by the Office of Care and Protection (OCP) to allow an authorised person to manage the affairs of someone that lacks mental capacity. Used as an alternative to a Controllership where the person's funds and property values are low.

Once you know which type of access you need and have your documents ready, here is how to get set up:

Step 1: Gather your documents

For newer LPAs in England & Wales: The quickest way to grant us access is to generate a secure OPG digital share code via the Gov.uk website.

For older documents, Scottish/NI orders, or Court Orders: You will need to provide clear digital photos, scans, or certified physical copies of the complete legal document.

Step 2: Submit your request

Complete our Trusted Access Web Form to start the process. You can upload your documents or provide your digital share code directly in the form. We will ask you to submit a selfie and a picture of your photo ID to make sure it’s you.

Step 3: Verification

Our specialist Life Events team will review your application, verify your legal documents, and link the accounts. If they need any more information, they will email you.

Step 1: Submit your request

Complete our Trusted Access Web Form to start the process. You will be asked what kind of access you need and we will require a selfie and a picture of your photo ID.

Step 2: Verification

Our specialist Life Events team will review your application and send a form to the other person. Once they receive the completed form from the other person, they will link the accounts. If they need any more information, they will email you.

Before applying, please review our Current Account T&Cs and Trusted Access T&Cs for third parties.

Need help before applying? You can email our team directly at lifeevents@monzo.com.

Circumstances change, and you always remain in control of who has access to your account.

Informal Access: The account holder or trusted third party can revoke informal access at any time by contacting us directly.

Formal Access: Legal access can be removed by providing our Life Events team with a Deed of Revocation, an updated Court Order, or proof that the legal arrangement has ended.

If you need to make changes to your arrangement, you can do this by filling in our form.

If you need more information about the support available, check out our ❤️ Signposting page for a range of charities and organisations that can give advice.