MyMonii

A 256Bank product

Youth banking,
built to grow up with you.

MyMonii is the family-banking experience from 256Bank. Saving, spending, loyalty and learning — for ages 0 to 25, on European-resident infrastructure with EU-grade compliance baked in.

See what's inside Join the waitlist
For families Ages 0 to 25 EU-resident infrastructure Parental controls Built to last

What's inside

The complete youth banking experience.

Saving, spending, learning and loyalty — in one app the whole family uses, with separate views for the child, the teen and the parent.

Saving & goals

Live

From first piggy-bank to first salary

Long-term savings, named goals, allowance rules, gift transfers from grandparents. Every kroner is named, every move is visible to the parent.

Ages 0–25·Parent-visible

Spending & cards

Live

Card, wearable, instant payment

Physical card and wearables ordered from the app. Spend limits and merchant blocking on the parent side; an honest, ad-free overview on the child side.

Visa·MobilePay · Swish

Financial education

Live

Budgeting, taxes, investing

Built around how people actually learn — small lessons, short simulations, real numbers from the child's own account. No gamification noise, no in-app purchases.

Age-appropriate·Habit-building

Loyalty & cashback

Pilot

Honest rewards, no dark patterns

Loyalty offers that match how the family already spends — not nudges to spend more. Cashback into the savings goal by default, parent-approved every time.

Opt-in only·Family-tier rewards

Parental oversight

Live

Visibility, not surveillance

Real-time notifications, weekly spend limits, full transaction history. Parents see enough to coach — children keep a real banking experience instead of a toy.

Parent app·Activity log

Multi-language

Live

Built for Nordic families first

Danish, English and German at launch; Norwegian and Swedish on the roadmap. Customer support is human and in the family's own language.

DA · EN · DE·NO · SV next

Family journey

From age 0 to 25.

MyMonii grows with the family. The same account, four deliberate stages — each unlocking what's age-appropriate, nothing earlier.

Ages 0–7

Foundations

The savings era

  • Long-term savings account
  • Named goals — birthday, school, first bike
  • Gifts from grandparents arrive in-app
  • Parent-only view; child sees nothing yet

Ages 7–13

First card

First wallet, first lessons

  • Download the app — first login
  • Visa card and wearable, in family colours
  • Weekly allowance with named buckets
  • First lessons on saving and spending

Ages 13–17

Independence builds

Identity, jobs, real budgets

  • MitID / BankID activated
  • First part-time job paid into the account
  • Investment simulator with real-world numbers
  • Parental view stays — but the child is in charge

Ages 17–25

Full account

Independent finances

  • Independent everyday banking
  • Student loan management, first credit
  • Insurance, car, first home
  • Optional: spin up a side-business account

Security & trust

Enterprise-grade, family-shaped.

Built on 256Bank's regulated infrastructure. Every account, card and transfer runs through the same compliance posture as the institutions we serve — published, audited, named in code.

Identity

MitID & BankID

Nordic digital identity is integrated at the account layer. No third-party SSO middleman, no plaintext shadow credential.

Payments

MobilePay & Swish

Instant payments via the platforms families already trust. Card, wearable and mobile-pay routes land in the same ledger; one history, one truth.

Fraud

Multi-layer detection

Pattern detection on the device, on the network and on the platform. Anomalies pause the card before they reach the cardholder.

Parents

Visibility, not surveillance

Spend limits, card freezes and merchant blocking by category. Children keep a real banking experience; parents get the controls a parent needs.

Compliance

GDPR & KYC built-in

All updates, maintenance and compliance handled by the platform team. Automated onboarding with full KYC and AML checks, in language appropriate to the age.

Transparency

Complete activity log

Every subscription, payment, deal and refund — logged and readable in the parent app. What happened, when, on whose initiative.

For parents

An app you actually want your child to open.

MyMonii is built around a simple commitment to the families who use it: no advertising surface, no in-app purchases pushed at children, no dark patterns, no behavioural traps. The platform earns its keep from the bank-grade infrastructure underneath — not from the attention of the child on top.

That's the difference between a youth banking product and adult banking with a child-shaped wrapper. MyMonii is the first; it's why we built it.

Get in touch

Join the waitlist.

MyMonii rolls out family-by-family. Leave your details and we'll come back to you when there's a slot for your household, bank or distribution partner.

Which path?

What we do with your message

Submissions land in the 256Bank governance platform on EU-resident infrastructure. We read every message personally. No sales team, no outsourced inbox, no auto-responder. If you write thoughtfully, you will hear back from a human within two working days.