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Monzo reviews

Monzo Logo
Rated Excellent • 4.94/5

Monzo reviews

Verified business Last reviewed within 7 days British bank awards winner
See more on their website Write a review
  • Offers exclusive rewards and discounts to customers
    Offers exclusive rewards and discounts to customers
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • FCA approved and regulated
    FCA approved and regulated
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website

Review summary

People rate this company as Excellent based on 27,160 product reviews

Average score of 4.94/5
5 star
96%
4 star
3%
3 star
0%
2 star
0%
1 star
1%
Reviews for Monzo have trended negatively over the past 90 days

Monzo’s app and features make banking simple and even fun, with handy tools like savings pots, budgeting, and flexible payments. Many find the Flex Purchase credit card a lifesaver for spreading costs without stress. However, customer service often frustrates, especially when accounts are frozen or issues arise, leaving some feeling stranded and unsupported.

Positive themes

  • Monzo’s app is super easy to use and makes managing money a breeze.
  • Monzo Flex credit card is brilliant for flexible payments and budgeting.
  • Monzo’s savings pots and challenges really help with saving money.

Negative themes

  • Customer service is often slow or unhelpful when problems arise.
  • Accounts get frozen or blocked without clear reasons causing stress.
  • Monzo Flex card sometimes has confusing features and limited credit card functions.
Summarised by AI
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About Monzo

Monzo is a digital bank that offers a mobile app for managing money, budgeting and saving.

Monzo was founded in early 2015 with the mission to build the best bank in the world, challenging long-standing traditional banking formats. Now more than 10 million people manage their money and spend around the world through Monzo.

Monzo provide personal current accounts, savings, investments, pensions, credit cards, loans and business banking.

Monzo at a glance

Contact details

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Reviews for Monzo

Showing 11 of 27160 company reviews • Last reviewed within 7 days

very easy to use and very quick online help

Current account • 19th April 2026

very easy to use and very quick online help

{"display":"sarah d","full_name":"sarah d","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Great product and easy to understand, great incentiv...

Investments • 18th April 2026

Great product and easy to understand, great incentives to save and invest

{"display":"Helen M","full_name":"Helen M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    Good account and app for everyday spending.

    Good account and app for everyday spending. Really like the ease of paying friends/contacts from phone who also have monzo accounts. Splits functionality is also great.

    {"display":"Alex","full_name":"Alex","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Alex 18th April 2026
  • 5/5

    I didn’t know I needed Monzo, until I got Monzo.

    I didn’t know I needed Monzo, until I got Monzo. EVERYTHING is there. Customisable. App that opens in Millie seconds. Great tech. All you need, right there.

    {"display":"Hazem M","full_name":"Hazem M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Hazem M 18th April 2026
  • 5/5

    They have been great!

    They have been great! They are very prompt with responses and their app is very easy to understand.

    {"display":"Charlotte S","full_name":"Charlotte S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    5 star rating

    Brilliant card. Perfect for me and my needs.

    {"display":"JJ H","full_name":"JJ H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Monzo is class.

    Monzo is class. So simple yet so effective.

    {"display":"Philip M","full_name":"Philip M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Philip M 18th April 2026
  • 5/5

    Great service, great bank and their max add on is se...

    Great service, great bank and their max add on is second to none.

    {"display":"Mark Woods","full_name":"Mark Woods","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1512201.png"}}'s avatar
  • 5/5

    Really easy user friendly instant access saver.

    Really easy user friendly instant access saver. It’s great for the day to day common man who doesn’t know all the ins and outs of finance.

    {"display":"Tom C","full_name":"Tom C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Tom C 18th April 2026
  • 5/5

    Very good bank all ways helpful the banking offers a...

    Very good bank all ways helpful the banking offers a good the app is very well lade out

    {"display":"Tony G","full_name":"Tony G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Tony G 18th April 2026
  • 5/5

    Opened my self employed adventure with monzo busines...

    Opened my self employed adventure with monzo business and it’s been such an easy ride, especially with xero integration

    {"display":"Jake M","full_name":"Jake M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Account
    Jake M 18th April 2026

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