The Direct Payments System.

Funding care your way — with control, flexibility, and dignity

What are Direct Payments?

Direct Payment are funds provided by your local authority to individuals who have been assessed as needing care and support, as an alternative to the local authority arranging these services directly. This will allow you the flexibility to tailor your own care and support

Many people use direct payments to hire personal assistants, giving them greater control and flexibility. If you need help managing funds, support is available — Money Carer has over 15 years of experience in this area.

You’ll need to record how the money is spent, with local authorities reviewing this periodically. Direct payments are available across the UK for adults with disabilities (including those lacking mental capacity), carers, and families of disabled children. They cannot be used for residential care or services delivered directly by local authorities.

Direct payments have been in place for over 20 years and are now also offered through personal health budgets, managed by NHS Integrated Care Boards (ICBs) for people with ongoing healthcare needs.

Money Carer’s Direct Payments service is powered by our banking platform Monika – that enables you to use and manage your direct payments – with managed or self managed options. 

What are the core features of our Direct Payments service?

Document Sharing,
Secure & Instant

Securely store and share files, letters, or statements

Budget Integration

Enables budget monitoring that’s tailored to the care plan requirements

Payroll

Managed and Self-Managed options available depending on client requirements

Invoice Wizard

Automates invoice processing, reducing manual input and errors

Bulk Payments

Make bulk payments to multiple clients or carers in one go

Information, Advice & Guidance

Providing practical guidance to help you make the most of your Direct Payment.

Sweep Technology & Transaction Alerts

Auto-return of unspent funds with suspicious activity alerts

Secure Portal

Secure, role-based document access for carers and individuals

The Costs

About Money Carer

Since 2009, Money Carer has supported thousands of vulnerable people across the UK — working with local authorities, the Court of Protection, and families to ensure financial safety, dignity, and independence.

To power this mission, we created Monika — an all-in-one banking platform for Appointees, Deputies, and those managing care-related funds. Monika enables fast account setup, full oversight, and seamless daily banking in one secure system.

More choice. More control. More independence.

From payroll to budgeting, Money Carer makes Direct Payments easy, secure, and built around your needs.

Vulnerable Clients Supported

Local Authority Partners

Partners using Monika

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