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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 26,492 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 positively 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.
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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 26492 company reviews • Last reviewed within 7 days

First Monzo account

Business Account • 25th March 2026

It’s my first year with Monzo and I found the app and banking very good.

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

Brilliant when overseas.

Current account • 25th March 2026

Brilliant when overseas. Love the savings pots. Love how easy is to connect and transfer money to other Monzo users.

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

    Monzo is easy to use, has a great range of features...

    Monzo is easy to use, has a great range of features and is tops as a joint account as well. Love the round up features... Monzo is easy to use, has a great range of features and is tops as a joint account as well. Love the round up features and how easy it is to change to a better savings pot when the rates change. Very happy! Read more Read less

    {"display":"Clare ","full_name":"Clare ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Clare 25th March 2026
  • 5/5

    Great account and really useful.

    Great account and really useful. Recommend this to everyone. A great fee free way to stretch your hard earned money

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

    Great bank ,no hassles .

    Great no restriction on using debit cards, no hefty cherges

    {"display":"laurette martin","full_name":"laurette martin","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1412990.png"}}'s avatar
  • 5/5

    Mozno always resolves any issues quickly and efficie...

    Mozno always resolves any issues quickly and efficiently. They respond to questions very quickly. When someone calls me from Monzo, I'm sure it's them because... Mozno always resolves any issues quickly and efficiently. They respond to questions very quickly. When someone calls me from Monzo, I'm sure it's them because it's displayed in the app, which is very helpful and makes me feel more secure. Read more Read less

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

    New to business and this account is invaluable

    I'm completely new to business, Monzo is making building my business easy creating pots to save for future investments and training and labelling income and expenditure. I'm loving it

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

    Started off with a good interest rate, which dropped

    Started off with a good interest rate, which dropped

    {"display":"Tom M","full_name":"Tom M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Tom M 25th March 2026
  • 5/5

    Monzo Made Starting My Business Banking Effortless

    I had a great experience opening a business bank account with Monzo. The process was quick, smooth, and very easy to follow, even compared to... I had a great experience opening a business bank account with Monzo. The process was quick, smooth, and very easy to follow, even compared to other banks I’ve dealt with before. Everything was done through the app, and it was clear and efficient from start to finish. What really stood out was the customer support. I had an issue during the setup due to entering the wrong email address, and the support team responded quickly and professionally. They were patient, friendly, and resolved the problem without any stress. Monzo makes business banking feel simple and modern. The app is intuitive, transactions are easy to track, and it’s a great solution for small business owners who want something straightforward and reliable. Highly recommend Monzo to anyone starting or running a business. Read more Read less

    {"display":"Anca B","full_name":"Anca B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Account
    Anca B 25th March 2026
  • 5/5

    I’ve been very happy with my account.

    I’ve been very happy with my account.

    {"display":"Kirsty M","full_name":"Kirsty M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Kirsty M 25th March 2026
  • 5/5

    Really good business bank account.

    Really good business bank account. Not charges on lite version. Really good feature in its app too

    {"display":"Sajid K","full_name":"Sajid K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Account
    Sajid K 25th March 2026

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