The Money Carer Card
for People who Care
Protecting vulnerable people & carers
for more than 15 years.
What is Money Carer Card?
The Money Carer Card is a designated prepaid bank debit card that is used by tens of thousands of carers and people with disabilities across the UK for everyday shopping needs. The Money Carer Foundation is the originator and innovator of the concept of using prepaid cards to support vulnerable people and the service was launched 15 years ago.
Money Carer Cards are contactless and can be used in any retail outlet that accepts Mastercard payments. The service is very popular with people hold a Power of Attorney, DWP appointeeship or a Deputyship Order and over 300 law firms and local authorities also use the card system to support their own clients.
Apply Now
The cards can also be used for online shopping or to withdraw cash from ATM machines, with no fees charged for this, due to Money Carers’ unique banking partnership with Zempler Bank.
The cards are very easy to manage due to their integration with Money Carers ‘Monika’ banking platform. The platform has been designed to specifically to support people who manage the finances of vulnerable individuals, and, because of its unique and innovative features, Monika has been selected a finalist in the 2025 Card and Payments Awards for in the Financial Inclusion Category.
How does the Money Carer Card work?
Money Carer cards are issued in the name of the person receiving support. The cards can be used by individual carers or multiple carers as members of a trusted ‘circle of care’ managed within the Monika platform.
Once set up, carers can access all of the following features online or via our app:
- View all cared-for clients in one place
- Real-time balance and transaction information
- PDF account statements
- Card balance ‘upper and lower limit controls
- Make extra money requests instantly and securely
- Send shopping receipts for auditing purposes
- Sweep system transfers excess funds to the funding account
- View client budget plans and benefit entitlements
This is a fully managed carer card service where the Money Carer Foundation banking and payments team can be contacted directly by , support workers and other professionals to ensure the smooth running of the accounts and assist with new or replacement cards and also deal with general queries.
Benefits of Using a Card for Carers
Our award-winning carer’s card system benefits from features such as:
- Balance limits
- ATM withdrawal
- Spending controls
- Monitoring systems that continually scan for suspicious activity
- Unique ‘sweep system’ based on your preferred maximum card balance. This can transfer excess funds back into the account the card is funded from to reduce risk and provide greater protection and peace of mind.
Apply Online Now
To create an account on the Monika Banking Platform and apply for a Money Carer Card to support a vulnerable person that you or your organisation cares for, simply click here.
Carer Card FAQs
What is the Structure Behind the Money Carer Card?
The Money Carer card is a unique Mastercard that is linked to a bank account that is protected by the Financial Services Compensation Scheme. The account cannot go overdrawn.
The bank account is opened in the name of the vulnerable client on Money Carers’ own banking platform, and the contactless cards can be used in exactly the same way as any other Mastercard, that is, in-store, or online, however, they are not credit facilities so can not go overdrawn.
Uniquely, Money Carer has its own dedicated banking platform with Zempler Bank which the organisation has worked in partnership with for over 10 years. Over 250 law firms and local authorities use the Money Carer banking platform to open bank accounts and support their own vulnerable clients.
How Long Has Money Carer Been Providing Carer’s Cards?
The concept of the carers shopping card was developed and introduced by The Money Carer Foundation in 2010. Monies held in Money Carer card accounts are protected by the Financial Services Compensation Scheme (FSCS) as the funds are held in properly regulated bank accounts with Zempler Bank.
Very quickly, the Money Carer card became the preferred choice of thousands of carers and care providers to be able to support the vulnerable people under their charge with a secure and protected way of obtaining client funds to perform everyday shopping tasks.
Today, hundreds of law firms, local authorities and national learning disability charities choose the Money Carer card to support their own clients as Money Carer is a secure, and financially robust organisation that is entrusted to manage the finances of some of society’s most vulnerable people.
Where Can Money Carer Cards for Carers Be Used?
Money Carer carer’s cards are standard contactless cards and can be used in any retail outlet that accepts Mastercard in-store, or online, anywhere in the world. This means that the cards can be used in the vast majority of retail outlets as nearly all retailers accepting card payments accept payments via Mastercard.
The cards can also be used to withdraw cash from ATM machines with no fees due to Money Carers’ unique banking partnership with Zempler Bank.
What Unique Features Do The Money Carer Cards and App Have?
The Money Carer card and smartphone app have been designed to support and protect carers and the vulnerable people under their charge. As such, Money Carer cards and the linked Money Carer app have a number of unique features built in.
- The ability to set maximum and minimum balances on the cards.
- A ‘sweep’ system to transfer excess funds from the cards and back into the funding account.
- Payment requests can be made directly from the Money Carer smartphone app.
- Instant payment notifications sent to carers via the app and by email.
- Carers and clients can make money requests directly from the Money Carer app.
- Carers can send in shopping receipts and other documents directly from the app.
- Carers and clients can send and receive secure messages on the app.
- Helpful information such as welfare benefit letters and client budgets can be viewed in the app.
- Emergency money vouchers can be requested and received in the app if a card has been lost.
