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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 27,225 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.
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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 27225 company reviews • Last reviewed within 7 days

Monzo Flex is a virtual credit card integrated direc...

Flex Purchase credit card • 14th June 2026

Monzo Flex is a virtual credit card integrated directly into the Monzo app that allows you to split purchases between £30 and £10,000 into installments,... Monzo Flex is a virtual credit card integrated directly into the Monzo app that allows you to split purchases between £30 and £10,000 into installments, with 0% interest on 3-month plans and no hidden fees. It is completely integrated into your Monzo interface and offers free foreign transactions as well as flexible repayment tracking. Read more Read less

{"display":"Sahil C","full_name":"Sahil C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews

Excellent platform and I have used a lot of platform...

Investments • 14th June 2026

Excellent platform and I have used a lot of platform for my investments over the years over the last 40 years. I am impressed how... Excellent platform and I have used a lot of platform for my investments over the years over the last 40 years. I am impressed how Monzo has setup the platform with a very low fee structure. With Blackrock managing you investment you know you are in safe hands with the largest investment cop at in the world. Read more Read less

{"display":"Bharat P","full_name":"Bharat P","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews
  • 5.00/5

    Very clear and informative financial skills

    Very clear and informative to allow one make informed choices. Also has broad platforms for savings, investments that has improved my financial managent skills.

    {"display":"mrs p","full_name":"mrs p","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    mrs p 13th June 2026
  • 5.00/5

    A great user experience!

    A great user experience! The ease with which I can move money between my account, savings, pots, and my children's accounts is much appreciated. It'... A great user experience! The ease with which I can move money between my account, savings, pots, and my children's accounts is much appreciated. It' clear that the UX team at Monzo knows what they are doing. I also love how easy it is to use when travelling. No need to change up money. Read more Read less

    {"display":"S E","full_name":"S E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    S E 12th June 2026
  • 5.00/5

    Having pots so you can budget is saving us £200 mont...

    Having pots so you can budget is saving us £200 month as you know what's happening. Knowing what's coming out upto 2-3 days in advance... Having pots so you can budget is saving us £200 month as you know what's happening. Knowing what's coming out upto 2-3 days in advance is again helpful when budgeting. Instant notifications really good. Read more Read less

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

    It’s the perfect balance of credit card and instalme...

    It’s the perfect balance of credit card and instalments, meaning things can be bought and payments spread over three months without occurring interest or extra charges.

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

    Easy to use, great rates, innovative saving features.

    Easy to use, great rates, innovative saving features. Makes banking more pleasant. Haven’t had to engage with customer services as yet so cannot rate this.

    {"display":"Wd","full_name":"Wd","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Wd 12th June 2026
  • 5.00/5

    Happy mum & happy kid

    I am Bank of Scotland customer and I wanted a card for my 12 year old kid but they proposed me only card where I... I am Bank of Scotland customer and I wanted a card for my 12 year old kid but they proposed me only card where I cannot see anything what's done on the card and Monzo is giving me full access and a lot really good advices for kids how to manage their own money or create saving pots. Read more Read less

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

    Star Bank

    Monzo credit card is good value because it allows me to spread my repayment for 3 months interest free. They also have several pots for savings and with good returns.

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

    App is perfection.

    App is perfection. I've never had to ask a question

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

    easy app.

    easy app. early 24 hours payments

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

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