Merchant filters
Allow groceries, block gambling, adult, or other high-risk categories.
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Spending controls
Rules that teach, not just block
Merchant categories, amount caps, real-time approvals, and instant freeze — so kids practise good spending without surprises on your statement.
Control toolkit
Smart caps
Daily and weekly limits that reset automatically — raise them as they grow.
Approve on demand
Kids request a purchase — you tap yes or no in the parent app.
Freeze
Pause spending in seconds
Lost card or odd tap? Freeze from any guardian device linked to the family profile. Unfreeze when you’re ready — or order a new card.
Spending controls
Spending Controls: MCC & spending caps
ONEO Spending Controls is built for MCC & spending caps — onboarding, everyday use, controls and disclosures for this product, not a reused template from another page.
Insights
See where pocket money goes
Category charts help teens understand habits — and help parents coach calmly. Pair controls with allowance schedules for clearer boundaries.
Good for
- First cards for ages 6–15 with tight merchant rules
- Teens 16–17 with higher caps but still freeze + approve
- Travel weeks — temporary limits while abroad
- Shared guardianship — both parents see the same feed where supported
Spending controls in frames
Visuals selected for this product page.
Detail
ONEO media for Spending controls.
Everyday
ONEO media for Spending controls.
Travel
ONEO media for Spending controls.
Control
ONEO media for Spending controls.
Spending controls FAQs
Answers written for this product.
Spending Controls focuses on MCC & spending caps. Other ONEO pages cover other money jobs so this copy stays specific.
Customers whose routine needs MCC & spending caps. Teams → Business; families → Kids; career seekers → Company.
Live fee, rate or eligibility. Marketing text is a summary only.
Higher limits or MCC & spending caps often need deeper KYC/KYB. The app asks only when required.
Only if country flags and verification unlock it; otherwise it stays hidden.
FX, ATM, support or card finishes tied to Spending Controls may change when you upgrade.
In-app chat with Spending Controls selected, or the matching Help topic.
No. Partner terms and in-app legal text prevail for Spending Controls.
ONEO Kids
Money skills, parent controls
Cards, allowances and limits that grow with age bands.