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Monzo: Current Account reviews

Name: Current Account
Rating: 4.93 (17285 reviews)

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4.92

Based on 17,285 reviews, last reviewed 24th Jan 2026

2800% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Easy to use and great features. Easy to use and great features. Love having separate pots to split money on payday. The 1p saving challenge is also a great way to get in to good savi... Read more Reviewed on: 24th January 2026

Latest lowest rating:

1

Very bad service full stop . Very bad service full stop . To the point that relying on high street lenders have more features and service that people with disabilities should cons... Read more Reviewed on: 23rd January 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.

Monzo Current Account reviews (17285)

Review of the Monzo, Current Account:

Monzo : Great look but mixed experience

I had high hopes for Monzo, especially with all the hype around it being one of the top digital banks. At first, the app felt modern and user-friendly, and features like spending categories, instant notifications, and savings pots were definitely a nice touch. But over time, it started to feel a bit underwhelming. The customer service can be slow at crucial times, especially when you need help urgently, and while the features are cool, they’re not always as smooth or reliable as advertised. There have also been times where the app experienced glitches or downtime, which is frustrating when you're relying on it for everyday banking. I think Monzo is great if you want a side account to manage spending, but I wouldn’t fully rely on it as my main bank just yet. It still feels like it’s figuring things out. Reviewed on: 11th April 2025

Easy to use and great features.

Easy to use and great features. Love having separate pots to split money on payday. The 1p saving challenge is also a great way to get in to good savings habit Reviewed on: 24th January 2026

Easy for daily spend and also especially while you a...

Easy for daily spend and also especially while you abroad as well and customer service in touch efficient Reviewed on: 24th January 2026

The Bank Account that Helps Me Control my Spending

So far, I have not come across a bank account that allows me to have such control over my spending, when money is coming in and out, and alerting me to upcoming bills. I have a second account with a high street bank and never have any idea when money is going in or out but, with Monzo, I always have full oversight and control which helps me manage my budget so much better. Reviewed on: 24th January 2026

Fantastic Bank

Got nothing but praise for this bank. Great perks to banking with them and everything is quick and efficient. Reviewed on: 23rd January 2026

Very bad service full stop .

Very bad service full stop . To the point that relying on high street lenders have more features and service that people with disabilities should consider first . As Monzo doesn’t do realisable adjustment for customers Reviewed on: 23rd January 2026

Move to Challenger Banks!

I had a terrible experience with my traditional bank when I had my wallet stolen. I couldn't get any service from my previous bank and was left with no access to my funds. I opened an account with Monzo and straightaway I had a new digital card that I could use from the beginning. The sign-up process was so simple and their UI is really good. I love all the additional features too, like tracking spending categories and trends. Reviewed on: 23rd January 2026

Really really great bank, very handy getting paid a...

Really really great bank, very handy getting paid a day early Reviewed on: 23rd January 2026

They are fast and reliable.

They are fast and reliable.their ATM card gets to you when ordered for within rep days.customer service is top notch Reviewed on: 23rd January 2026

Very accessible app and easy to move money around

Very accessible app and easy to move money around Reviewed on: 23rd January 2026

The best banking app for staying in control

Monzo has completely changed how I manage my money. The app is incredibly intuitive and makes budgeting feel simple rather than stressful. I love being able to split my salary into different Pots for bills, savings, and spending – it’s helped me automate my finances and stay on top of my goals. The instant spending notifications and categorisation make it easy to see where my money is going, which has genuinely reduced impulsive spending. I also find Monzo great for everyday use and travel, with transparent fees and real-time balance updates. While it doesn’t have physical branches, the digital experience is so smooth that I’ve never missed them. Overall, Monzo is the best current account I’ve used for control, clarity, and financial wellbeing. Reviewed on: 23rd January 2026

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