Limits and restrictions for children
As the parent or guardian, you set and manage the limits and restrictions on your child's Under 16s account from your Monzo app. This helps your child learn about money safely while you stay in control.
Daily spending limit
Your child can spend up to €250 a day across shops, online and cash machines.
You can set the daily spending limit anywhere between €5 and €250.
Cash machine (ATM) withdrawals
Cash machine withdrawals are capped at €100 a day.
ATM withdrawals count towards your child's total daily spending limit.
This applies in Spain and abroad.
Card controls
You can turn these on or off for your child's card:
contactless payments
online payments
cash withdrawals
To manage limits and card controls:
Open your child's Under 16s account.
Tap the three dots.
Tap Manage account.
Tap Spending limits.
Change the limits, or turn online payments, contactless payments or cash withdrawals on or off.
If you don't see the change straight away, close and reopen the Monzo app.
Blocked categories
Some merchant categories, such as gambling, adult services and tobacco, are always blocked on Under 16s accounts.
You can also choose whether to block payments at places Mastercard categorises as selling alcohol.
These categories can sometimes include everyday places like restaurants, cinemas, sports venues and corner shops because Mastercard categorises the business as a whole, rather than what your child is buying.
To change this setting:
Open your child's Under 16s account in the Monzo app.
Tap the three dots on their card.
Select Blocked categories.
Use the toggle to choose whether to block or allow these payments.
The block is off by default, but you can turn it on or off whenever you like.
All other blocked categories remain unchanged.
We're gradually rolling out this feature, so you may not see the option straight away.
Payment links
Your child can receive up to €250 through payment links in any rolling 30-day period. People without Monzo can send up to €100 in one payment; Monzo customers can send up to €250.
Replacement cards
The first two replacement cards each year are free. After that, replacement cards cost €5.
What your child can't do
send money to other people
make child bank transfers
send payment requests
make Monzo-to-Monzo payments from the child account
contact customer support directly about the account
Deposit protection
Eligible deposits are protected up to €100,000 per person, per bank. For Under 16s accounts, this limit is combined with your other eligible deposits at Monzo.
Still need help?
If you need any more help, contact us in the app.
