Smart Money People Logo
Go to business site

Voting in the British bank awards 2026 is open - Vote here

Share this page
Link copied

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 26,128 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 positively 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
Was this helpful?

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

Website
Visit provider website
Social media

Reviews for Monzo

Showing 11 of 26128 company reviews • Last reviewed within 7 days

Love Monzo!

Current account • 22nd March 2026

Love Monzo!! Changed to Monzo and recommended to my friends and family!

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

The Best Bank

Current account • 21st March 2026

I joined Monzo just because I needed a second bank account set up quickly and without hassle and a work colleague had mentioned using them.... I joined Monzo just because I needed a second bank account set up quickly and without hassle and a work colleague had mentioned using them. Several years later they are my main account and in addition I have a Flex account and personal loan with them. I rave about them to everyone and can't imagine using any other bank. Any issues I have had have been dealt with and although I wouldn't say it's always been seamless, I have never felt let down or disappointed by the handling of any issues raised (which have never been a Monzo caused issue btw). Read more Read less

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

    Just yes

    I have had Monzo for a while now it was recommended to me by family and still is. There are so many aspects to the... I have had Monzo for a while now it was recommended to me by family and still is. There are so many aspects to the app that are so helpful such as savings pots, investment pots and pensions, let alone the fact that they can help people with their bills if the bills with certain conditions. They have so many additional features such as being able to manage multiple bankcards from different companies from the Monzo app, cashback and more. Could not recommend enough. Also if you send someone the friend link both you and them can earn up to £50. Amazing. Read more Read less

    {"display":"Alexis T","full_name":"Alexis T","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Alexis T 21st March 2026
  • 5/5

    Brilliant.

    Brilliant. The best out there. Easy interface and excellent value for money compared to other similar under 16 providers.

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

    Monzo is by far my best bank

    Monzo is by far my best bank, gives me multiple saving pots which helps with budgeting! And the cash back offers are great too!!

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

    I started a new buisness and they have been very goo...

    I started a new buisness and they have been very good so far my card arrived within days I am very happy with the service I received.

    {"display":"Cheryl Davies","full_name":"Cheryl Davies","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1405668.png"}}'s avatar
  • 5/5

    Setting up an account for my children is straghtforw...

    Setting up an account for my children is straghtforward and easy. I get to track activities via the app which is user friendly.

    {"display":"Maria","full_name":"Maria","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Under 16s account
    Maria 21st March 2026
  • 5/5

    Love Monzo!

    I like that you can open as many savings pots as you can, and have multiple cards for budgeting.

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

    Best Ever

    It has been a most professional, easy and reliable experience with Monzo and continues to be both for us and our kids.

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

    Fantastic - highly recommend

    Fantastic when there is an issue. It's teaching my son how to manage his money.

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

    Intuitive

    Very easy to manage money in pots and explain children how to use it.

    {"display":"Weza","full_name":"Weza","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Under 16s account
    Weza 21st March 2026

    Products from Monzo
    Showing products offered by Monzo

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice