Turning 16 with an Under 16s account
Your child can use your Under 16s account until their card expires – even if that’s after their 16th birthday.
We’ll cancel their card when they turn 18.
Your child can apply for a free 16–17s account anytime after they turn 16. Monzo for 16–17s get almost everything adults get, with blocks on borrowing and age-restricted things to keep them safe.
They can apply on their own. They'll need a valid photo ID, an email address set up on their device, and their own mobile number.
Learn more and see how to apply in our help article about our 16-17s account.
ℹ️ Please note: Ts&Cs apply, UK residents only.
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