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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 27,182 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 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.
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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 27182 company reviews • Last reviewed within 7 days

Monzo has been splendid!

Current account • 23rd April 2026

Monzo has been splendid! From notifying you of alerts, getting payments a day earlier, super efficient and user friendly

{"display":"Teddy Daniel","full_name":"Teddy Daniel","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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Brilliant bank account

Current account • 21st April 2026

Brilliant bank account, the features like 'Pots' help me manage my finances effectively

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

    Love Banking With Monzo

    Never had an issue with Monzo been banking with them for years.. I think it’s an amazing bank to be and love that I can... Never had an issue with Monzo been banking with them for years.. I think it’s an amazing bank to be and love that I can access my money early, never had an issue if I’ve not recognised a transaction, never not been refunded when I haven’t used my card or it’s been fraud Read more Read less

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

    Monzo - the best bank!

    Monzo - I’ve been with them for a couple of years & I can’t fault them. Everything just works efficiently & if it doesn’t, they... Monzo - I’ve been with them for a couple of years & I can’t fault them. Everything just works efficiently & if it doesn’t, they fix it really quickly. I don’t know why my other 2 banks can’t be as good. Read more Read less

    {"display":"Abby","full_name":"Abby","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Abby 21st April 2026
  • 5/5

    Flex card has been great so far, able to control pay...

    Flex card has been great so far, able to control paying it off before the interest gets charged is a massive help.

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

    Easy functional app reliable not encountered any iss...

    Easy functional app reliable not encountered any issues over the past few years I have had an account with them

    {"display":"DWP","full_name":"DWP","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    DWP 21st April 2026
  • 5/5

    From beta to loyalty

    Been a loyal customer since their early beta accounts. Have tried and do try every new service or product they release. Love to recommend this bank whenever I can!

    {"display":"Laura G","full_name":"Laura G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Laura G 20th April 2026
  • 5/5

    Great choice for easy joint account

    Great choice for easy joint account, with good cash back options

    {"display":"Helena","full_name":"Helena","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Helena 20th April 2026
  • 5/5

    I love my monzo account.

    I love my monzo account. One of the most intuitive current account apps out there - so easy to put money away, and view transactions.... I love my monzo account. One of the most intuitive current account apps out there - so easy to put money away, and view transactions. Love that they do monthly bills back draws, and that there’s a chance to double my salary too. They make it so easy to save, they don’t overdo it on email marketing, and their tone of voice is so simple and easy to understand. I feel like I actually understand the financial product I have. Read more Read less

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

    Great bank, Flex is a great way to pay

    Great bank, Flex is a great way to pay

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

    Great products!

    Easy to open, and great features for a credit card.

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

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