Setting up Trusted Access
Trusted Access lets someone you trust help manage your Monzo account.
There are 2 main ways to set it up, depending on the support you need:
Informal access: if you can make your own decisions and give informed consent, but would like someone to help manage your account.
Formal access: if someone has legal authority to manage your account, for example through a Power of Attorney or court order.
Informal access
With informal access, you choose someone you trust, like a friend or family member, and decide what they can do.
They can speak to us about your account and see your balance and transactions. You can also choose which features they can use, like getting payment notifications, having a card or making payments.
You stay in control and can remove informal access at any time.
Formal access
Formal access is for someone who has legal authority to manage another person’s money.
The documents we can accept depend on where the account holder lives.
England and Wales
We can accept:
Lasting Power of Attorney (LPA)
Enduring Power of Attorney (EPA)
Deputy Court Order
General or Ordinary Power of Attorney
DWP Appointeeship
Scotland
We can accept:
Continuing or Combined Power of Attorney
Guardianship Order
Northern Ireland
We can accept:
Enduring Power of Attorney (EPA)
Controllership Order
Short Procedure Order
Some documents need to be registered with the relevant authority before we can accept them.
How to set up Trusted Access
Fill in our Trusted Access form to get started.
For informal access, we’ll ask what access you’d like to give and check the identity of both people.
For formal access, you’ll also need to give us your legal documents. If you have an LPA registered in England or Wales, you can give us an Office of the Public Guardian share code instead.
Our Life Events team will check everything and get in touch by email if they need anything else.
Once we’ve finished our checks, the trusted person can set up access in the Monzo app. They don’t need to already have a Monzo account.
Change or remove Trusted Access
For informal access, either person can ask us to remove access at any time.
For formal access, we may need evidence that the legal arrangement has changed or ended.
If you need to change or remove access, contact our Life Events team using lifeevents@monzo.com
Need help?
If you’re not sure which type of Trusted Access you need, visit our website or email our Life Events team at lifeevents@monzo.com.
You can also check out our Signposting page for a range of charities and organisations that can give advice.