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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

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4.85

Based on 19,422 reviews, last reviewed 21st Jun 2026

68% decrease in 5 star reviews

in the past 90 days

10% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo provides one of the best online experience. Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy.... Read more Reviewed on: 21st June 2026

Latest lowest rating:

1

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 to the point of no bill... Read more Reviewed on: 12th May 2026

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About this product

Monzo’s current account gives you access to its award-winning mobile banking app which provides instant notifications about all payments and charges.

The Monzo current account helps you learn about your spending habits with weekly and monthly insights. And you can manage your money with spending categories and savings pots.

Monzo current account reviews help you find out what it’s really like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

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Awards

Best British bank 2025

Awarded to the bank rated highest in UK customer reviews.
Best banking app 2025

Awarded to the bank rated highest in customer reviews for their banking app.

Monzo Current account reviews (19422)

Monzo provides one of the best online experience.

Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy. Monzo also allows extra features to be unlocked starting from 3 pounds to 17 pounds, that is 3, 7 and 17 pounds. This allows features like virtual cards, paying directly from a pot, lining other bank cards, insurance, rail cards, Greggs treats to be enjoyed as extras. Joint accounts can easily be opened while maintaining individual accounts. Monzo also offers their flex credit card, allowing user to flex ( move a transaction that was completed using the card to the credit card even past transactions up to about 14 days. Reviewed on: 21st June 2026

Such a good bank with fun opportunities to get extra...

Such a good bank with fun opportunities to get extra cash. Not only this, they give free techniques, services, tea and advice on money and accounting. Reviewed on: 19th June 2026

Honestly the best banking experience I've ever had -...

Honestly the best banking experience I've ever had - seamless. It's got to the point that using my banking app, knowing what my income and expenses and balance are is so effortless and frictionless I couldn't even conceive of using another service. It's genuinely brilliant, absolutely love Monzo and recommend it to everyone I meet. Reviewed on: 18th June 2026

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' 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. Reviewed on: 12th June 2026

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 is again helpful when budgeting. Instant notifications really good. Reviewed on: 12th June 2026

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. Reviewed on: 12th June 2026

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. Reviewed on: 11th June 2026

App is perfection.

App is perfection. I've never had to ask a question Reviewed on: 11th June 2026

easy app.

easy app. early 24 hours payments Reviewed on: 11th June 2026

A superb app and painless experience

The ease of use and user experience of the app great, all whilst not sacrificing options and features. Security is well taken care of, and other products and services easy to understand and take advantage of. Reviewed on: 11th June 2026

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