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Monzo reviews

Monzo Logo
Rated Excellent • 4.86/5

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 27,263 product reviews

Average score of 4.86/5
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 is widely loved for being easy to use, packed with handy features like savings pots, budgeting tools, and flexible payment options. Many find the Flex Purchase credit card a brilliant way to manage payments with clear terms and no hidden fees. However, frustrations run high around customer service, especially when dealing with account freezes, fraud, or urgent issues, leaving some feeling unsupported and stuck without access to their money.

Positive themes

  • Monzo’s app is super easy to use and packed with great features for managing money. (36 mentions)
  • Monzo Flex Purchase credit card offers great flexibility and clear payment options. (26 mentions)
  • Monzo’s customer service is often praised for being helpful and quick to respond. (8 mentions)

Negative themes

  • Monzo’s customer service can be slow or unhelpful when urgent issues arise. (6 mentions)
  • Account freezes and closures without clear explanation cause major frustration. (5 mentions)
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

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Reviews for Monzo

Showing 11 of 27263 company reviews • Last reviewed within 7 days

Witholding my funds.

Business account • 16th September 2026

Extremely poor experience with Monzo Business. My business changed ownership and a new director was appointed. Monzo contacted me claiming there was no active director,... Extremely poor experience with Monzo Business. My business changed ownership and a new director was appointed. Monzo contacted me claiming there was no active director, despite me providing evidence that there was. I was then told that all I needed to do was add the new director as a user on the account and everything would be fine. I followed their instructions, but Monzo rejected the application and then decided to close the account anyway, refusing to provide any meaningful explanation despite the conflicting advice they had already given me. To make matters worse, once the account was closed, Monzo then said they could not release the remaining business funds to a new bank account because I was no longer the director and that the new director would need to deal with it. So they closed the account because of an issue surrounding the director, rejected our attempt to add that director when instructed to do so, and are now making it extremely difficult for the business to recover its own money. At this point it feels like Monzo are holding the business's funds hostage. The communication has been contradictory from start to finish, and getting a straightforward resolution has been unnecessarily difficult. I would not recommend Monzo Business based on this experience. Read more Read less

{"display":"Craig Illsley","full_name":"Craig Illsley","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1758841.png"}}'s avatar
Rated Terrible • 1.00/5
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I need Polish language in app.

Investments • 9th September 2026

I need Polish language in app. Apologies my English is very bad. Thank you.

{"display":"Krzysztof K","full_name":"Krzysztof K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
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  • 5.00/5

    Great app and easy to use with lots of different fea...

    Great app and easy to use with lots of different features!

    {"display":"Stuart McCune","full_name":"Stuart McCune","avatar":{"url":"\/assets\/uploads\/avatars\/users\/589345.png"}}'s avatar
    Current account
    Stuart McCune 6th September 2026
  • 1.00/5

    STAY AWAY FROM MONZO PLEASE!

    STAY AWAY FROM MONZO PLEASE!!! I am extremely disappointed with the way Monzo has handled my situation. This has been one of the worst banking... STAY AWAY FROM MONZO PLEASE!!! I am extremely disappointed with the way Monzo has handled my situation. This has been one of the worst banking experiences I have dealt with. Funds were transferred from my other business account specifically to cover an urgent hospital bill and transportation to and from my hospital appointment. Monzo blocked access to the funds without giving me any clear explanation of when they would become available. I explained to Monzo staff on the phone that I was due to attend hospital for a procedure and that withholding access to my money was putting my appointment in jeopardy. I made the urgency and consequences very clear, but my pleas appeared to fall on deaf ears. With no access to the money I had transferred for transportation, I was left having to walk miles to the hospital and back. As if that were not distressing enough, I returned home expecting some indication that my funds would finally be released, only to be informed instead that Monzo intended to close my account and that I could potentially be waiting weeks for my own money to be returned. This is not simply about inconvenience. When a customer tells you that access to their own funds is directly affecting their ability to attend a hospital procedure, there should surely be some recognition of the seriousness and urgency of the circumstances. MONZO — WHERE IS THE COMPASSION? I understand that banks have regulatory and security obligations and may sometimes need to restrict accounts or investigate transactions. What I cannot understand is why a customer facing an urgent situation should apparently be left without meaningful information, a clear timeframe, or an effective way of addressing the immediate consequences. I have documented the chronology of what happened, including my communications with Monzo, and have escalated the matter through the appropriate channels and to my MP. MONZO HAS STILL NOT RELEASED MY FUNDS WITH NO EXPLANATION!! Scamming the sick and vulnerable. Read more Read less

    {"display":"Fredrick I","full_name":"Fredrick I","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business account
    Fredrick I 4th September 2026
  • 5.00/5

    Very flexible and zero interest and very easy to sho...

    Very flexible and zero interest and very easy to shopping online and store

    {"display":"Sharif S","full_name":"Sharif S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    I think with Monzo the best thing is how easy it is...

    I think with Monzo the best thing is how easy it is to use. It takes you through things step by step.

    {"display":"Chloe I","full_name":"Chloe I","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Chloe I 3rd September 2026
  • 5.00/5

    Monzo has been great for me.

    Monzo has been great for me. It's very easy to use and also being able to have extra accounts for my kids and easy to monitor it.

    {"display":"Malando Henry","full_name":"Malando Henry","avatar":{"url":"\/assets\/uploads\/avatars\/users\/644762.png"}}'s avatar
    Current account
    Malando Henry 2nd September 2026
  • 5.00/5

    My Monzo current account is easy to manage, and the...

    My Monzo current account is easy to manage, and the app makes it simple to track spending and payments. The instant notifications and budgeting features... My Monzo current account is easy to manage, and the app makes it simple to track spending and payments. The instant notifications and budgeting features are useful, while transfers are quick and straightforward. Overall, it’s a convenient account for everyday banking. Read more Read less

    {"display":"Ruth","full_name":"Ruth","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Ruth 2nd September 2026
  • 5.00/5

    Nothing negative to offer.

    Nothing negative to offer. Helpful directions as to investigate or withdrawing. Good sound solid

    {"display":"Ian Brookes","full_name":"Ian Brookes","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1102500.png"}}'s avatar
    Investments
    Ian Brookes 31st August 2026
  • 1.00/5

    I had a joint account, got taken advantage of, monzo...

    I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit for years. The amount is less than £35 , yet they ruined my credit for years and somehow didn’t report this on the spenders credit. Read more Read less

    {"display":"DreadHead87","full_name":"DreadHead87","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    I got a good rate on my contents Insurance.

    I got a good rate on my contents Insurance. Easy to apply for

    {"display":"Nicola t","full_name":"Nicola t","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

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