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Monzo reviews

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Rated Excellent 4.93/5

Monzo reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business
Last reviewed within 7 days

What is this award?

The British bank awards recognise outstanding UK financial services providers based entirely on customer feedback.  Winners are determined through verified customer reviews and must meet minimum participation thresholds, ensuring recognition reflects genuine customer experiences.

This company has won:

  • Best British bank 2025
  • Best banking app 2025
  • Best children's financial provider 2025
See all awards Monzo have won
British bank awards winner
  • 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 24,672 product reviews

Average score of 4.93/5
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 is a joy to use, making budgeting, saving with pots, and managing money straightforward and even fun. The Flex credit card is a standout, offering flexible, interest-free repayments that many find a lifesaver. However, customer service often frustrates users, especially when dealing with account freezes, fraud, or urgent issues, leaving some feeling stranded and unsupported.

Positive themes

  • Monzo’s app makes saving and budgeting easy with handy pots and clear money tracking.
  • The Monzo Flex card is brilliant for spreading payments interest-free and managing credit.
  • Monzo’s app is user-friendly and packed with features that make everyday banking simple.

Negative themes

  • Customer service often fails when urgent help is needed; slow or no response frustrates users.
  • Accounts get frozen or locked without clear explanation causing serious access issues.
  • Fraud handling is poor; many report slow or no refunds and unhelpful support.
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

Social media

Reviews for Monzo

Showing 11 of 24672 company reviews Last reviewed within 7 days

Excellent Bank

Current account 26th February 2026

Very happy with the service I receive with Monzo their flex card is useful their no exchange rate fees is great when in holiday and... Very happy with the service I receive with Monzo their flex card is useful their no exchange rate fees is great when in holiday and their saving challenges are very good Read more Read less

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

Best service in the UK for personal and business dua...

Flex Purchase credit card 25th February 2026

Best service in the UK for personal and business dual friendly chat support agents

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

    Added features absolute 5 star

    Pots fantastic, virtual cards amazing, early payday game changer!! Best bank I’ve had in 20 yeare

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

    Love Monzo !

    After three successful years as a sole trader, I recently made the transition to a limited company — and when Starling refused to open a... After three successful years as a sole trader, I recently made the transition to a limited company — and when Starling refused to open a business account for me, I decided to make a full switch to Monzo. It's been one of the best decisions I've made. I'm genuinely impressed across the board. The customer service is efficient and friendly, the app is beautifully designed, and the integration with my mortgage and other bank accounts makes managing my finances effortless. I don't write many reviews, but Monzo has made me want to shout about it. If you're on the fence, just switch — you won't regret it. Read more Read less

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

    It’s great for my kids!

    It’s great for my kids, I can easily transfer money between my account and theirs. It also allows them to spend freely, but I can... It’s great for my kids, I can easily transfer money between my account and theirs. It also allows them to spend freely, but I can still monitor where and when Read more Read less

  • 5/5

    Exceptionally beginner friendly.

    The investments product by Monzo is very user friendly, easy to use, and takes out the difficulty of starting an investment profile by breaking it... The investments product by Monzo is very user friendly, easy to use, and takes out the difficulty of starting an investment profile by breaking it down into either risk assessed or industry specific categories. This gives beginners the autonomy to decide how they wish to invest, while still offering an entry into investments managed for them. Read more Read less

    {"display":"Ryan Goddard","full_name":"Ryan Goddard","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1367813.png"}}'s avatar
    Investments
    Ryan Goddard 25th February 2026
  • 5/5

    Monzo have been great as I set it up the beginning...

    Monzo have been great as I set it up the beginning of January and it has helped me save money and put it in a... Monzo have been great as I set it up the beginning of January and it has helped me save money and put it in a pot for driving lessons and that is what im spending that money on pass me fast xxxx Read more Read less

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

    Monzo is unique and so simple and useful app for ban...

    Monzo is unique and so simple and useful app for banking

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

    Excellent bank account

    Have been a Monzo customer for 5 years while holding other bank accounts so i can see the difference in features. I love the monthly... Have been a Monzo customer for 5 years while holding other bank accounts so i can see the difference in features. I love the monthly summaries and pots. Also the app layout and functionality. I have a personal account, one for my son and a joint one with my husband. Monzo have thought of everything! Read more Read less

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

    No issues so far.

    No issues so far. Prompt responses from customer care and sensible, fair operational policies. Helpful analytics without having to pay extra for it is helpful.

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

    Switched over and never going g bk best bank ever...

    Switched over and never going g bk best bank ever

    {"display":"Mark d","full_name":"Mark d","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Mark d 25th February 2026

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