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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 27,196 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 27196 company reviews • Last reviewed within 7 days

Easy and simple

Investments • 24th May 2026

Got all in one. Easy to manage your money

{"display":"Joshua s","full_name":"Joshua s","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
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Financial Freedom

Current account • 23rd May 2026

I switched to Monzo this year and it has been absolutely the best thing in terms of visibility and management of my finances, not just... I switched to Monzo this year and it has been absolutely the best thing in terms of visibility and management of my finances, not just across my Monzo accounts and 'pots' but accounts with other providers too. The salary sorting is amazing and let's me to see clearly how much disposable income I have left after setting aside for bills etc. The savings challenge is great and allowing me to to set aside some money too. The only downside I found so far is that I had to post a cheque that was for an amount of greater than £500 as it was above the limit to scan on the app and this take some time to clear. Monzo has tonnes of features and the app is easy to use - they're miles ahead of the standard high street banks and I wish I'd switched sooner. Read more Read less

{"display":"Karen T","full_name":"Karen T","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
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  • 5.00/5

    They have such a variety of ways to help you save, a...

    They have such a variety of ways to help you save, and cashback offers. It's a fun, innovative bank that will always be used as... They have such a variety of ways to help you save, and cashback offers. It's a fun, innovative bank that will always be used as my main account, as it has helped me to save, despite earning so little. Read more Read less

    {"display":"Sharn Nash","full_name":"Sharn Nash","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1585370.png"}}'s avatar
  • 5.00/5

    Top banking app

    Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking... Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so easy to use real peace of mind to have the extra money to use before pay day !! Must be careful not to spend to much so you can pay it back just love this bank Read more Read less

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

    Monzo is amazing.

    Monzo is amazing. Absolutely love how easy it is to sort your salary into pots, create instant savings accounts and transfer money within only a... Monzo is amazing. Absolutely love how easy it is to sort your salary into pots, create instant savings accounts and transfer money within only a few minutes to a different bank account. Never had any issues! Read more Read less

    {"display":"Rebecca G.","full_name":"Rebecca G.","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1535745.png"}}'s avatar
  • 1.00/5

    Froze our accounts for no reason

    Froze our accounts for no reason and have held onto the money for 2 weeks so far with no timescale, It has absolutely broke us... Froze our accounts for no reason and have held onto the money for 2 weeks so far with no timescale, It has absolutely broke us to the point of no bills being paid and they do not give a dam, The whole process is flawed but they do not give a dam Read more Read less

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

    Great at innovation

    Great at innovation, love the new perks and the fact that everything is so easy to use.

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

    I’ve had a really positive experience with Monzo.

    I’ve had a really positive experience with Monzo. The app is intuitive and makes everyday banking simple, especially with instant spending notifications, budgeting tools, and... I’ve had a really positive experience with Monzo. The app is intuitive and makes everyday banking simple, especially with instant spending notifications, budgeting tools, and savings Pots that help keep money organised. Monzo also offers fee-free card spending abroad and overdrafts for eligible customers, all managed directly in the app. Read more Read less

    {"display":"Phil A","full_name":"Phil A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 3.00/5

    I'll see if it deals with Bitcoin/International Bank...

    I'll see if it deals with Bitcoin/International Bank Accounts

    {"display":"Bruce Bercier","full_name":"Bruce Bercier","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1558575.png"}}'s avatar
  • 5.00/5

    Really helpful customer service, solve most issues w...

    Really helpful customer service, solve most issues within a few hours. The early payday feature is a lifesaver, nice little thing to have. The perks... Really helpful customer service, solve most issues within a few hours. The early payday feature is a lifesaver, nice little thing to have. The perks plans are great, saved a ton on cinema and trains. Read more Read less

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

    Good for big purchases and to spread the cost.

    Good for big purchases and to spread the cost.

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

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