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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19406 reviews)

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4.85

Based on 19,406 reviews, last reviewed 19th May 2026

79% increase in 5 star reviews

in the past 90 days

220% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

They have such a variety of ways to help you save, a... They have such a variety of ways to help you save, and cashback offers. It's a fun, innovative bank that will always be used as my main account, as it... Read more Reviewed on: 19th May 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 (19406)

Brilliant banking

Very easy to use and they keep in touch Reviewed on: 13th January 2023

Amazing bank!

I've literally only ever had good things to say about Monzo. I always use it when I go backpacking and have used the card all over the world. Even had an ATM charge my my account without giving me the money and Monzo reimbursed me very quickly! Reviewed on: 13th January 2023

The best bank, challenger or incumbent

Monzo have been my main bank now for ~5 years, and are going from strength to strength. Reviewed on: 11th January 2023

Inclusive bank that helps all

Never had a bad experience with Monzo, after joining them 5 years ago. They provide a world class service while taking care of the customer. Most of the interactions are unique and personalised, and each interaction makes it feel they care. Reviewed on: 11th January 2023

Best on line Bank

App only Bank so easy to use. Could do with paying more interest, but I use this account for bill payments etc Reviewed on: 11th January 2023

Good all-rounder

I find this account to be a great all-rounder with a solid app with handy features. Reviewed on: 11th January 2023

Monzo make it easy to manage your money

I started off just using Monzo for spending money but found it such a good product I then moved my full current account across, which was a really simple process. The bills pot and budget features make it really easy to manage my outgoings and I find the pots really useful for saving for specific items such as holidays Reviewed on: 11th January 2023

Finally a bank that has enabled me control of my money

The features of the Monzo Current Account are just splendid. It allows me to set a budget in different categories (i.e. bills, groceries, shopping, entertainment, expenses etc) and then track it for the month because it is able to assign a category for each transaction you make (but it also lets you change category if needed), which has finally given me the feeling of being in control of where my money goes. The app is so user friendly, that it's easy to check my spending against my budget and I no longer dread checking my account balance. With the account you can also set up smaller saving accounts (called pots) which makes it easy to save for bigger expenses (e.g. annual insurance payments, holidays, car costs) and a rainy day fund! I would love it if Monzo was able to introduce cashback deals on their current account, but that would be the cherry on top. Great bank, thanks for letting me take control of my finances in such a manageable way. Reviewed on: 10th January 2023

Great

Flex payments done right, really happy with customer service Reviewed on: 10th January 2023

Best App based Bank

Easy to use app , great customer service. Convenient for my needs. Helps with bugeting Reviewed on: 10th January 2023

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