Money Carer’s relationship with Zempler Bank is more than a supplier arrangement — it’s a long-standing partnership built around a shared purpose: making modern banking and payments work safely for people who are too often excluded by “standard” financial services. Money Carer describes Zempler Bank as its longstanding banking partner, with the two organisations working closely for over 12 years, and with Zempler providing the FSCS-protected banking rails behind Money Carer’s services.
That foundation has enabled Money Carer to scale support for vulnerable adults and the organisations who serve them — including law firms, local authorities, and care providers — through specialist accounts, card controls, and the Monika Banking Platform, developed by Money Carer in partnership with Zempler Bank.
From “banking that works” to “payments that fit real life”
Money Carer has a long track record of creating payment tools designed around real-world vulnerability, not a “typical customer journey.”
The Carer Card: an early UK-first innovation
Money Carer was the originator of the dedicated “carer shopping card” concept, developed and introduced in 2010 and the intent was clear from the start: provide a protected, trackable, controllable way for carers and vulnerable people to make everyday purchases — reducing risk and increasing independence for people who may struggle with conventional banking processes. The service is the UK market leader and is used by tens of thousands of users along with hundreds of solicitors, local authorities and care organisations.
Wearable payments: rings, bracelets, and other NFC devices
Building on that same design philosophy, Money Carer is now pushing further into “payments that fit the person” through a new range of contactless NFC wearables — including payment rings, bracelets, and other innovations
Its range of payment wearables align closely with the accessibility challenge Money Carer frequently highlights for many vulnerable adults, a phone-centric or PIN-heavy payment world can create friction, stress, and dependency rather than empowerment.
Zempler Bank’s role: enabling scale, trust, and “connectivity”
Because Money Carer is one of Zempler Banks largest and longest-standing customers/partners, the two organisations have been able to move quickly from “managed accounts and cards” into the next layer of inclusion-focused payments.
Supporting the wearable rollout to vulnerable customers — and beyond
Money Carer’s plan is to make its wearable payment rings, bracelets and other payment devices available:
- From December 2025 to Money Carer’s own clients and also to clients of partner organisations such as law firms, local authorities and care providers (reflecting the established user base for Monika and related services).
- And also, to other clients of Zempler Bank, via its wider consumer wearables division, RingPay, helping extend inclusive payment formats into the bank’s broader customer community.
“Direct wearable connectivity” via Fidesmo Pay (a major step change)
Wearable payments at scale depend on secure tokenisation and a robust provisioning journey. Fidesmo Pay is a well-established wearable payments ecosystem that enables tokenised tap-to-pay on NFC wearables (rings, bracelets, keyrings, and more) and is integrated with major tokenisation services.
As part of this wider partnership, Zempler Bank is set to become the first UK bank to provide direct wearable connectivity via a partnership with Fidesmo Pay, removing friction and helping wearable adoption become a “mainstream option” rather than a niche novelty.
Recognition: award-winning inclusion via the Monika platform
Money Carer’s inclusion work has also been recognised publicly. Money Carer reports receiving the Financial Inclusion Award at the 2025 Card and Payments Awards, linked to advances delivered through its Monika Banking and Payments Platform.
This matters because it frames the wearables launch not as a one-off product release, but as part of a wider system: inclusive banking infrastructure (Monika + Zempler), inclusive payment formats (cards + wearables), and inclusive controls (guardrails designed around vulnerability).
Beyond wearables: tokenised biometric cards and “Beyond the PIN”
Wearables are one part of the inclusion puzzle — but Money Carer is also championing tokenised biometric payment cards as a practical way to reduce reliance on memorised PINs and make authentication more accessible and secure for vulnerable users.
In September 2025, Money Carer released a white paper titled ‘Beyond the PIN’, focused on the accessibility and inclusion gaps created by PIN-based systems and the opportunity for biometric authentication.
A partnership designed for what’s next
What makes the Money Carer–Zempler Bank relationship notable is that it has repeatedly turned inclusion goals into live, operational payment capabilities:
- A specialist banking and payments platform (Monika)
- A long history of “inclusion-by-design” payment cards for carers and vulnerable people
- A growing roadmap that pairs wearables with secure tokenisation infrastructure (Fidesmo Pay)
- And now the expansion into wearable rings, bracelets, and additional form factors to give vulnerable adults safer, simpler ways to pay — with less friction, less stigma, and more independence
Together, Money Carer and Zempler Bank are positioning payments not as a one-size-fits-all utility, but as a toolkit — one that can be adapted to real needs and used to spearhead genuinely practical financial inclusion.
