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Monzo reviews

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Rated Excellent • 4.92/5

Monzo reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business Last reviewed within 7 days

What is this award?

The British bank awards recognise outstanding UK financial services providers based entirely on customer feedback.  Winners are determined through verified customer reviews and must meet minimum participation thresholds, ensuring recognition reflects genuine customer experiences.

This company has won:

  • Best British bank 2025
  • Best banking app 2025
  • Best children's financial provider 2025
See all awards Monzo have won
British bank awards winner
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  • 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 22,761 product reviews

Average score of 4.92/5
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 a joy to use, making budgeting, saving with pots, and managing money straightforward and even fun. The Flex credit card is a standout, offering flexible, interest-free repayments that many find a lifesaver. However, customer service often frustrates users, especially when dealing with account freezes, fraud, or urgent issues, leaving some feeling stranded and unsupported.

Positive themes

  • Monzo’s app makes saving and budgeting easy with handy pots and clear money tracking.
  • The Monzo Flex card is brilliant for spreading payments interest-free and managing credit.
  • Monzo’s app is user-friendly and packed with features that make everyday banking simple.

Negative themes

  • Customer service often fails when urgent help is needed; slow or no response frustrates users.
  • Accounts get frozen or locked without clear explanation causing serious access issues.
  • Fraud handling is poor; many report slow or no refunds and unhelpful support.
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

Social media

Reviews for Monzo

Showing 11 of 22761 company reviews • Last reviewed within 7 days

Flex card

Flex Purchase credit card • 9th February 2026

Great to have the flexibility to change payments if needed , has helped me a few times

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

Amazing experience with Monzo.

Under 16s account • 6th February 2026

Amazing experience with Monzo. The Under 16s account is a game changer. It's intuitive for my child and myself.

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

    Makes business banking easy!

    Makes business banking easy! I love the tax pots and great round the clock customer service. Couldn't fault it!

    {"display":"Sophie","full_name":"Sophie","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Account
    Sophie 6th February 2026
  • 5/5

    Never had any problems, service support is quick to...

    Never had any problems, service support is quick to respond. Lots of products, great saving account

    {"display":"Anonymous","full_name":"Anonymous","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1344312.png"}}'s avatar
    Current account
    Anonymous 6th February 2026
  • 5/5

    Excelent de bun accest card

    Excelent de bun accestbcard cel mai bunnnn

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

    I switched away from them in 2021, and regretted it...

    I switched away from them in 2021, and regretted it soon after. Thankfully, I rejoined Monzo last year and I'm SO glad I did. I... I switched away from them in 2021, and regretted it soon after. Thankfully, I rejoined Monzo last year and I'm SO glad I did. I love the pots feature and use it to the max. I also have a Flex credit card which has been great for helping me build up my credit score. I love the instant notifications, which is something I don't get from the legacy bank I'm still with, and I love the summary, as it makes it easier to see exactly where my money's going each month. Read more Read less

    {"display":"Katiee1991","full_name":"Katiee1991","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Katiee1991 5th February 2026
  • 5/5

    Everything runs super smoothly, mostly when you need...

    Everything runs super smoothly, mostly when you need to go to the app to click approve, most apps mess about and require you to put it though again.

    {"display":"Ryan S","full_name":"Ryan S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Ryan S 5th February 2026
  • 5/5

    A literal lifesaver

    A literal lifesaver, with more stability and reassurance than other companies that offer pay in 3 offers. So easy to adjust interest, pay off early,... A literal lifesaver, with more stability and reassurance than other companies that offer pay in 3 offers. So easy to adjust interest, pay off early, provides clear breakdowns for future payments so you can plan. Read more Read less

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

    Easy to use everything you need to know they have th...

    Easy to use everything you need to know they have the answers or information there

    {"display":"Gary T","full_name":"Gary T","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Gary T 1st February 2026
  • 5/5

    I’ve been with Monzo for several years now.

    I’ve been with Monzo for several years now. I like the variety of saving options such as Mondo flex. The app is very clearly laid... I’ve been with Monzo for several years now. I like the variety of saving options such as Mondo flex. The app is very clearly laid out and I can find everything I need with ease. Paying a friends and family who use Monzo is very straightforward and a lot easier than other banks. The saving import to make it easier to budget and with Monzo flex I have more control over my money. Read more Read less

    {"display":"Neems","full_name":"Neems","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Neems 29th January 2026
  • 5/5

    An innovative and simple to use account

    Simple to use. Excellent app. Great customer service. Great idea that you can split your income into separate pots to cover your bills, standing orders and direct debits.

    {"display":"Michael","full_name":"Michael","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Michael 29th January 2026

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