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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 is the only bank for me!

I love the refer a friend scheme on Monzo. I also have the perks plan which gives you so many different benefits especially the higher interest rates on savings accounts. I enjoy how easy it is to invest on the app too as they sort everything out for you! Reviewed on: 16th April 2026

Best banking going, only been with Monzo for a short...

Best banking going, only been with Monzo for a short while but the ability to separate for bills, food shopping etc and being able to do everything in the app is great Reviewed on: 16th April 2026

10/10 would recommend

Use it for various payments including abroad, automatically changes the exchange rate with no charge. Perks plan with different discounts and increased interest on your savings. Wasn’t planning on using it as much as I do now, loved it from the minute I signed up. Reviewed on: 15th April 2026

Monzo is as interesting as instagram.

Monzo is as interesting as instagram. Sometimes i open it to explore different and new features, and organise my transactions Reviewed on: 15th April 2026

Hot coral. Hot bank!

Get paid a day early and being able to save and pay to pots is fantastic! Great when travelling too. Best bank I've been with. Reviewed on: 15th April 2026

Came for the pots, stayed for the lot.

Since joining Monzo a couple of years ago as a “part time” account, within 6 months I was fully switched because I loved the pots feature for budgeting and the spending insights! Now I can’t imagine banking with anyone else! Reviewed on: 15th April 2026

Great bank, seamless app and amazing features

Great bank, seamless app and amazing features Reviewed on: 15th April 2026

I’ve had Monzo since 2019 and I’ve moved to using is...

I’ve had Monzo since 2019 and I’ve moved to using is my main current account. it promotes budgeting which I think is incredibly important now a days. I like that you can create pots and set up spending cards that takes the money from that pot as it allows you to budget better and make better decisions. I’ve recommended Monzo to my little brother and sister as she’s learning to a card and I think Monzo has all the right things to become healthy with money. I also like the perks that you get. For someone who likes to travel by train but also gets Ubers, I think it’s fantastic that I can pay a small fee to get discounts, better interests rates and insights into my credit score in one place. It’s incredibly easy to navigate. Reviewed on: 15th April 2026

Monzo manage to make banking as simple as possible

Monzo manage to make banking as simple as possible, with clear and easy to use app and value for money add ons. It allows various spending pots as well as detailed analysis of monthly spend, along with added bonuses in the packages, including rail cards, free Greggs, along with the usual banking add on benefits. Reviewed on: 15th April 2026

Best bank

Great bank great app only wish I switched over sooner Reviewed on: 15th April 2026

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