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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 27,213 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 27213 company reviews • Last reviewed within 7 days

Flexible easy to use and amazing credit card

Flex Purchase credit card • 11th June 2026

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
Rated Excellent • 5.00/5
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A user friendly Credit card that’s second to none

Flex Purchase credit card • 11th June 2026

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
Rated Excellent • 5.00/5
Read more product reviews
  • 5.00/5

    Monzo is great- has excellent UX design of their app...

    Monzo is great- has excellent UX design of their app and they make it easy to organise money into pots which is very helpful to keep track of expenses

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

    Monzo shows excellence in customer service, giving c...

    Monzo shows excellence in customer service, giving credit facilities and payment flexibility. I would recommend this company to my friends and loved ones

    {"display":"Cyd Bon","full_name":"Cyd Bon","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1411850.png"}}'s avatar
  • 5.00/5

    Monzo the greatest bank

    Monzo the greatest bank, helping Po eple escape poverty,

    {"display":"Racheal O","full_name":"Racheal O","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Personal Loan
    Racheal O 11th June 2026
  • 5.00/5

    A breath of fresh air

    A breath of fresh air in the banking industry putting the high street banks to shame

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

    All around excellent service

    Great interest rates, very simple to pay back money and navigate around the app, customer service is great at getting back to you and always... Great interest rates, very simple to pay back money and navigate around the app, customer service is great at getting back to you and always provide very good service and refunds if it is needed. Also very easy to login to the app. Read more Read less

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

    I had great experience with them and never had any i...

    I had great experience with them and never had any issues

    {"display":"robin Jones ","full_name":"robin Jones ","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1018405.png"}}'s avatar
  • 5.00/5

    ISA account with Monzo

    ISA account with Monzo has been a great saving tool for me. You can track how much money you earn day by day, it’s easy to open and maintain.

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

    Extremely easy to use and set up.

    Extremely easy to use and set up. Full control over payment schedule, especially with no interest if paid within 3 months.

    {"display":"Aaron McManamon","full_name":"Aaron McManamon","avatar":{"url":"\/assets\/uploads\/avatars\/users\/533380.png"}}'s avatar
  • 3.00/5

    Nothing special, just easy to apply

    Nothing special, just easy to apply

    {"display":"TM Lee","full_name":"TM Lee","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    TM Lee 11th June 2026

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