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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 27,222 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 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

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Reviews for Monzo

Showing 11 of 27222 company reviews • Last reviewed within 7 days

A great user experience!

Current account • 12th June 2026

A great user experience! The ease with which I can move money between my account, savings, pots, and my children's accounts is much appreciated. It'... A great user experience! The ease with which I can move money between my account, savings, pots, and my children's accounts is much appreciated. It' clear that the UX team at Monzo knows what they are doing. I also love how easy it is to use when travelling. No need to change up money. Read more Read less

{"display":"S E","full_name":"S E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
S E
Rated Excellent • 5.00/5
Read more product reviews

Having pots so you can budget is saving us £200 mont...

Current account • 12th June 2026

Having pots so you can budget is saving us £200 month as you know what's happening. Knowing what's coming out upto 2-3 days in advance... Having pots so you can budget is saving us £200 month as you know what's happening. Knowing what's coming out upto 2-3 days in advance is again helpful when budgeting. Instant notifications really good. Read more Read less

{"display":"kelvin m","full_name":"kelvin m","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews
  • 5.00/5

    It’s the perfect balance of credit card and instalme...

    It’s the perfect balance of credit card and instalments, meaning things can be bought and payments spread over three months without occurring interest or extra charges.

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

    Easy to use, great rates, innovative saving features.

    Easy to use, great rates, innovative saving features. Makes banking more pleasant. Haven’t had to engage with customer services as yet so cannot rate this.

    {"display":"Wd","full_name":"Wd","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Wd 12th June 2026
  • 5.00/5

    Happy mum & happy kid

    I am Bank of Scotland customer and I wanted a card for my 12 year old kid but they proposed me only card where I... I am Bank of Scotland customer and I wanted a card for my 12 year old kid but they proposed me only card where I cannot see anything what's done on the card and Monzo is giving me full access and a lot really good advices for kids how to manage their own money or create saving pots. Read more Read less

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

    Star Bank

    Monzo credit card is good value because it allows me to spread my repayment for 3 months interest free. They also have several pots for savings and with good returns.

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

    App is perfection.

    App is perfection. I've never had to ask a question

    {"display":"John W","full_name":"John W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    John W 11th June 2026
  • 5.00/5

    easy app.

    easy app. early 24 hours payments

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

    A superb app and painless experience

    The ease of use and user experience of the app great, all whilst not sacrificing options and features. Security is well taken care of, and... The ease of use and user experience of the app great, all whilst not sacrificing options and features. Security is well taken care of, and other products and services easy to understand and take advantage of. Read more Read less

    {"display":"Greig Carleton","full_name":"Greig Carleton","avatar":{"url":"\/assets\/uploads\/avatars\/users\/682152.png"}}'s avatar
  • 5.00/5

    Flexible easy to use and amazing credit card

    Flexible easy to use and amazing credit card

    {"display":"Khushali desai","full_name":"Khushali desai","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1656775.png"}}'s avatar
  • 5.00/5

    A user friendly Credit card that’s second to none

    Their credit card is so user friendly it’s honestly makes makes my life so much easier. I wish the credit card provider I use for... Their credit card is so user friendly it’s honestly makes makes my life so much easier. I wish the credit card provider I use for personal finances was as advanced as Monzo. Managing money simply is key not just for financial health but also for personal health and well being. Y mitigating stress. Legacy providers and banks should take note of what Monzo does so well and integrate these lessons if they are to compete in the long run. Read more Read less

    {"display":"MISS C","full_name":"MISS C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

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