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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19419 reviews)

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4.85

Based on 19,419 reviews, last reviewed 12th Jun 2026

61% 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

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' c... Read more Reviewed on: 12th 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.

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 (19419)

Review of the Monzo, Current account:

Monzo remain the leading bank in the UK.

Monzo remain the leading bank in the UK. Legacy banks are following in their steps and trying to become fintechs... but Monzo are always 2 steps ahead... Reviewed on: 25th May 2025

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

Top notch service

So simple to use. So easy to deal with and so easy to get money products. Reviewed on: 10th January 2023

Love Monzo

Monzo is an excellent app to help me budget and it's really great to be able to easily search my spending history. Initially joined to use abroad but now I use it as my main weekly spending card. Reviewed on: 10th January 2023

Great app

Really easy to use the Monzo app Reviewed on: 31st October 2022

Bad experience with receiving money internationally

Bad experience with monzo account for receiving money internationally. They are not participating international bank transfer so stay away from them if you will have to receive money outside of uk Reviewed on: 19th October 2022

payments will NOT NOTNOT BE automatically directed to your Monzo account like they say. Just bounced back with no notification..

I switched to monzo with the assurance all payment would go into the new account. for a minimum of 13months later. I have been passed around and not 1 person has solved where my birthday money is which was made on 20.09.2022. I've been on to my old rbs and they say it should be automatic into this monzo account... so where is my payment on £20? fuming with rubbish customer service and not done mived my payment feom rbs like the rules of the switch service states clearly on giv websites. I'm appaled that I haven't got my 20pound. and actually lost trust as how many other payments have not been forwarded like it should.. just bouncing back to sender.. ruined my week and today I'm fuming after being on customer services and no resolve or clue on how much money monzo isn't correctly switching over as advertised... really needed that money it's mine and my old nan won't understand how to send again or back. made me appear like I'm ripping my nan off and caused so many complications in my family life. my nan has lost trust in me as she also knows all payments will be forwarded to new account for at least 13 months after. lost alot of respect for me. and I'm discussed I have to feel like a criminal for either monzo RBS switch service not doing what it clearly says it will do. thanks alot. I suffer with depressing and this has caused people who care about me to be distant and wary.. let this be my official complaint!!! I'd like an apology and explanation to my family why it looks like om extorting my own birthday money. cause alot of stress and anger. now depression to be said its automatic on the customersupport then just ended my chat has only made it worse when should have explained to me /us whats happened banks end... hope you take this seriously. I'm not a bad person and don't deserve to be treated this way.. humiliation. to think I had advertised switch save service to friends and family. just now made a fool of :'((( for the sake of pocket change. thanks alot. Reviewed on: 13th October 2022

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