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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 27,248 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. (45 mentions)
  • Monzo Flex credit card is brilliant for flexible payments and budgeting. (23 mentions)

Negative themes

  • Customer service is often slow or unhelpful when problems arise. (7 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

Contact details

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Reviews for Monzo

Showing 11 of 27248 company reviews • Last reviewed within 7 days

Clear fees, great for splitting big purchases

Flex Purchase credit card • 13th August 2026

Great service, and to have the freedom of splitting payments without interest over three months, or a few more with clearly explained fees and rates.

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

I love the transparency of the investments graph.

Investments • 9th August 2026

I love the transparency of the investments graph. The products offered are suitable for a wide range of customers and the training offered is also a great idea

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

    0 percent interest is the best, be more moral and et...

    0 percent interest is the best, be more moral and ethical

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

    Simps simps simple

    Im a complete novice, it was all very easy

    {"display":"David s","full_name":"David s","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    David s 1st August 2026
  • 5.00/5

    Satisfaction and good customer service

    Satisfaction and good customer service

    {"display":"Kelvin ","full_name":"Kelvin ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Kelvin 25th July 2026
  • 5.00/5

    Got Monzo home insurance good price and 30 quid chea...

    Got Monzo home insurance good price and 30 quid cheaper than my last insurance

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

    very flexible, great app, user friendly

    very flexible, great app, user friendly

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

    so many good features, easy to use, iser friendly app

    so many good features, easy to use, iser friendly app

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

    Investments is about sowing in the right soil

    Had I known more about Investments I would most certainly have invested 15 years ago

    {"display":"Zelpha A","full_name":"Zelpha A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Zelpha A 13th July 2026
  • 5.00/5

    Very good thanks open plan to you both for your...

    Very good thanks open plan to you both for your

    {"display":"Pawel Staszak","full_name":"Pawel Staszak","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1693975.png"}}'s avatar
  • 5.00/5

    From setting up a joint account easily online, not h...

    From setting up a joint account easily online, not having to wait for a weekday appointment at a branch, to being able to put money... From setting up a joint account easily online, not having to wait for a weekday appointment at a branch, to being able to put money into pots for bills and savings etc their help desk is always quick to respond too Read more Read less

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

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