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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (17787 reviews)

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4.92

Based on 17,787 reviews, last reviewed 10th Feb 2026

27650% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Absolutely no complaints from me. Absolutely no complaints from me. Card is fabulous when you go abroad and I love the options with the penny saver, the pot, the way the app is laid ou... Read more Reviewed on: 10th February 2026

Latest lowest rating:

1

Impossible to speak to one person, none of them spea... Impossible to speak to one person, none of them speak English, block your account, freeze it without permission won't give you your money, fraudsters.... Read more Reviewed on: 10th February 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

What is this award?

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 (17787)

Review of the Monzo, Current account:

The. Best. Overdraft/Loan. Experience. Ever!

Already a fan of Monzo the experience from the angle of managing my overdraft and its usage, right down to the clarity of how its Loans are presented and booked into - it’s just second to none. Nothing is pushed on you and the terms are clear and fair. Moreover as a Premium user I love how my credit score shows up in the app - with a monthly update reminder that highlights the causes for any drop or increase. This is excellent and a great awareness grower for those using credit. In fact it has motivated me to stay out of my OD. Hats off Monzo! Reviewed on: 14th June 2021

Best bank so many great incentives to having a Monzo...

Best bank so many great incentives to having a Monzo account! Especially the round up features/ pots and the penning saving challenge!! So many amazing benefits Reviewed on: 9th February 2026

Been with them almost from the start.

Been with them almost from the start. Very innovative. Very relaxed style of banking. Not too stuffy Reviewed on: 9th February 2026

Monzo to the Max!

I opened up a current account which soon progressed into me upgraded to the Max account and opening the Flex credit card. I have loved the service so much I have also recommend to friends and family with successfully getting 5 of them to open accounts and they all love it too! Reviewed on: 9th February 2026

Monzo for the win

My experience is very good what else is there to say. Reviewed on: 9th February 2026

Great Bank that gives you multiple options.

Great Bank that gives you multiple options. Their new feature to stop payments if you have made a mistake is a life saver Reviewed on: 9th February 2026

I write a few hundred words on why I think Monzo is...

I write a few hundred words on why I think Monzo is the best online bank going but this website glitches and I can't be bothered to write it again. So, simply, it's the best bank going. Reviewed on: 9th February 2026

Monzo - the bank that encourages, influences and saves

I love Monzo - this bank has encouraged and helped me to budget and encourage me to save plus the app has so much to offer and so very easy to use - I love the pots and the virtual cards / a complete package and lifesaver - totally recommend Reviewed on: 9th February 2026

Great overall experience.

Great overall experience. I love all the aspects of Monzo, including great rates abroad, amazing looking app and transparency when investing or saving. Reviewed on: 9th February 2026

Never had a bad experience with Monzo!

Never had a bad experience with Monzo! The app is great, and the perks that they offer are amazing! It's also helped me save money during the 1p challenge which I've taken part in again this year Reviewed on: 9th February 2026

Monzo gives me everything I need from my banking!

Monzo is great, the app is easy to navigate and I can have pots for savings all visible in the app. Customer service has been good so far, hard to speak to someone right away but thankfully I've not had anything urgent to discuss so far. Love that you get alerts on money in or out and the in app approval for purchases makes life so much easier than waiting for OTP's that take an age to come through with other providers. I switched to Monzo due to their environmental commitments after doing a carbon literacy course at work and they were one of the highest rated banks for their commitment to reducing carbon emissions. Reviewed on: 9th February 2026

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