The Direct Payments System.
Funding care your way — with control, flexibility, and dignity
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.
Beyond technology, Money Carer is driving the future of inclusive finance — from fraud prevention and carer spending tools to pioneering biometric banking for those who struggle with PINs or smartphones.
What are Direct Payments?
Direct Payment is money provided so you can arrange your own care and support, instead of relying on services from your local authority. The amount must cover your assessed care needs and be used only for that purpose.
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 – the UK’s All-In-One Banking Platform Built for People Managing Direct Payments
What are the core Monika features?
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
Snap and Store
Quickly capture and attach photos and documents directly from your phone
Sweep Technology & Transaction Alerts
Auto-return of unspent funds with suspicious activity alerts
Secure Portal
Secure, role-based document access for carers and individuals
More choice. More control. More independence.
From payroll to budgeting, Money Carer makes Direct Payments easy, secure, and built around your needs.