a woman, and a man with down-syndrome are stood in the kitchen baking. they are putting mixture into a muffin tin. both are smiling.

Local Authority Cards & Bank Accounts Service 

Money Carer’s Local Authority Service has been specifically designed to give council partners access to our cutting-edge banking, cards and payments platform, Monika. Because we operate our own integrated banking and payments infrastructure, we are able to deliver this service at a significantly lower cost as part of our wider strategic partnerships with local authorities across the UK.

Our banking and card solutions, delivered in partnership with Zempler Bank, are trusted by Court of Protection teams in over 200 law firms, hundreds of care providers, local authorities and family members who manage finances through Direct Payments, Appointeeship or Deputyship arrangements.

Card and Bank Account Service

£2.50 per client per month or zero cost*

FSCS Protected Bank Account

  • Up to 5 additional cards provided per bank account
  • Up to 3 individual bank accounts can be opened per client (no extra cost. Allows for separate personal allowance account, individual budget account, carers shopping account, direct payments account etc)

Reporting Oversight 

  • View all clients in one place with balances and drill into each account in more detail
  • Generate overarching reports
  • Custom reports available

Zero Card Management Fees

  • Set up fee = £0.00
  • ATM withdrawals = £0.00 ( unlimited)
  • Transaction fees = £0.00 (online or instore)
  • Faster Payment fees = £0.00
  • Replacement cards = £0.00

Bank Account statements 

  • Generate real time account statements for each account
  • Statements available in PDF, excel formats and data can be individually or bulk forwarded
  • Statements can be generated to hide balances, account numbers and can be password protected at source

Balance Sweep System

  • Set minimum and maximum balances on accounts (ensure a maximum or minimum balance is available for user)
  • Sweep back excess balances automatically to funding account (eg: for direct payment balances or carer card balances)
  • ‘Pause’ sweep for specified time period to allow for larger balances temporarily (eg: large deposit for holiday funds, household purchases etc)

Online Portal for carers, clients, social workers

  • Simple and secure access to The Money Carer Portal
  • For clients and carers – option to share real time balances, DWP letters and other correspondence
  • Free, advanced and anonymous benefits entitlement calculator – enables carers to check their own entitlement for example

Emergency Payments Access

  • Send an immediate PayPoint* voucher to client, carer, social worker via email or text message (eg: card lost or damaged)
  • Send an immediate CashByText* payment to client, carer, social worker via text message (eg: payment at ATM’s with no card needed)

Smartphone App

  • Simple and secure access to The Money Carer App
  • For clients and carers – option to share real-time balances, DWP letters and other correspondence
  • For carers – take photograph of shopping receipts and submit securely to portal.

Fraud Detection System

  • Advanced fraud alert detections for irregular transactions via Kalgera* partnership
  • Set typical card use by client profile (eg: card transaction typically different for older person supported at home than younger person with Asperger’s)
  • Traffic light care provider ‘risk’ status by overall card usage (eg: care organisation just withdrawing cash – higher risk than using cards to buy items)

Direct Debits

  • Direct debits can be set up on the bank accounts 

Standing Orders 

  • Standing orders or reoccurring payments can be set up on the bank accounts 

Subscription Payments 

  • Subscriptions to Netflix, Gym memberships, Gaming passes and similar can be set up using the card details

Cards and Bank Accounts FAQ’s


a young man and his mother are sat at a table indoors. the mother, on the left, has an open notebook and a phone in front of her, and a pen in her hand. the young man, on the right, has a laptop open in front of him. they are both looking at the laptop screen. they look concentrated.

Do I need a Monika account to access money management services?  

January 15, 2026

two men are sat indoors on a sofa. they both have an arm around each other. the man on the left has down-syndrome. they are both looking forwards and smiling.

What financial matters can Money Carer assist with?  

January 15, 2026

two women are sat discussing at a table outside. the woman on the left is in a wheelchair. there is a digital tablet propped up on the table, that the woman in the wheelchair is pointing at. both women are looking at each other and smiling.

What are the benefits of external money management?  

January 15, 2026

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