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Monzo: Current Account reviews

Name: Current Account
Rating: 4.93 (17261 reviews)

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4.92

Based on 17,261 reviews, last reviewed 23rd Jan 2026

1650% increase in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Great customer service after I reported a fraudulent... Great customer service after I reported a fraudulent transaction, they investigated it very quickly Reviewed on: 23rd January 2026

Latest lowest rating:

1

Debanking by Monzo ruined my credit Monzo notified me that my account was being closed, and they couldn’t tell me why. I was being “debanked”. Nigel Farage got a lot of press coverage wh... Read more Reviewed on: 22nd 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 (17261)

Review of the Monzo, Current Account:

Poor customer service and poor app

In general, Monzo is a great bank, that is until you face any kind of real problem. By problem, I mean something that is Monzo’s fault and not yours. Monzo customer service are great at resolving problems so long as you have pressed the wrong button for example, however if their app is at fault they very rarely do anything about it. A perfect example is the “get paid early” feature. Monzo will allow you to get your BACS salary payment a day early, however if you do this, the summary feature in the app breaks as it expects you to be paid the next day. Despite me reporting this and a massive thread on their forums about it, it’s been over a year and nothing is done. Their customer service can sometimes take weeks to reply, it’s the slowest customer service I’ve ever received. They also use bots to reply to customers despite denying this when asked, pretending that they are real people. Incredibly disingenuous behaviour, poor customer service and broken app features makes Monzo a poor bank for customers. Reviewed on: 13th April 2021

Great customer service after I reported a fraudulent...

Great customer service after I reported a fraudulent transaction, they investigated it very quickly Reviewed on: 23rd January 2026

The Bank That Actually Gets Me

Monzo has been a truly fantastic bank — and I don’t say that lightly. Unlike the high street banks that still feel stuck in a different era, Monzo actually adapts to how real people live. From Pots that keep my money organised without effort, to instant payments that just work, to little extras like gifts and cashback, it genuinely feels like everything is designed with the customer in mind. It’s the first bank I’ve used where I don’t feel like I’m “managing a bank account” — I’m just living my life, and Monzo quietly makes the money part easier. If a bank can feel human, this is it. Monzo isn’t just my bank — it’s like a friend in my pocket: reassuring when I need control, helpful when I need clarity, and always there in the background making things smoother. It’s banking that actually feels on my side Reviewed on: 22nd January 2026

Great modern bank, fantastic offers and incentives.

Great modern bank, fantastic offers and incentives. Easy to use, clear interface. Child bank account is brilliant. Very satisfied customers. Reviewed on: 22nd January 2026

I have been with Monzo for many years and they are p...

I have been with Monzo for many years and they are perfect in every way Reviewed on: 22nd January 2026

Wot a fantastic bank and get paid a day early so han...

Wot a fantastic bank and get paid a day early so handy to have Reviewed on: 22nd January 2026

Absolute ease to use.

Absolute ease to use. No regular bank jargon. All explained and dealt in simple plain English. Not pushy. Accommodative and more than anything, service tailored to individual need Reviewed on: 22nd January 2026

Any problems with my account are quickly identified...

Any problems with my account are quickly identified and dealt with correctly. Investment through the bank are dealt with successfully. Reviewed on: 22nd January 2026

These guys are bloody fantastic, from switching acco...

These guys are bloody fantastic, from switching accounts, to help dealing with fraud, to switching my pension over and also getting wages early. ( it helps these days ) and budgeting it’s a big deal for ordinary people to have a bank which deals with queries fast, and I wish I’d used them sooner Reviewed on: 22nd January 2026

Genuinely great

It’s such a good bank! Easy to use app, customer support chat has always been helpful & actually resolve the problems. Savings challenges have been a super helpful way to boost my savings, as have the easy to set up savings pots. Cashback offers are good & the perks available if you upgrade are actually good. Reviewed on: 22nd January 2026

Debanking by Monzo ruined my credit

Monzo notified me that my account was being closed, and they couldn’t tell me why. I was being “debanked”. Nigel Farage got a lot of press coverage when this happened to him. I appealed to them for consideration, but was told the decision was final and they wouldn’t tell me why. They even suggested they were legally unable to tell me why. While this was true if I was actually committing financial crime, the fact that they reviewed and overturned the decision means that was incorrect. Unfortunately when they reviewed the decision they failed to communicate that to me. I then went through with changing banks, which was incredibly disruptive. It also meant the automatic payment of my Monzo loan was disrupted, leading to me falling into arrears while I dealt with their customer service and the ombudsman. I was eventually awarded £500 compensation. They’ve now dicked me about some more, so I might go back to the ombudsman. Take this as a warning - don’t trust your entire financial life to a faceless institution where you can never truly engage with someone. Reviewed on: 22nd January 2026

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