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Monzo: Current account reviews

View other Monzo products
4.85
Based on 19,427 reviews, last reviewed 10th Jul 2026
92% decrease in 5 star reviews
in the past 90 days
83% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Most reliable bank for international travel Easiest bank to use for travel and can guarantee you won’t be stuck without access to your funds abroad. Quick and reliable transfer Reviewed on: 10th July 2026
Dana 's avatar
Dana

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
Philip B's avatar
Philip B
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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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Monzo Current account reviews (19427)

Financially life changing

5
Monzo has undoubtedly improved banking, and my financial life personally. It helps the everyday better, and has dramatically reduced my worries about money. Reviewed on: 17th February 2022
James's avatar
James

Excellent Bank

5
Been with Monzo since their early days and although innovations have slowed still can’t fault them. Reviewed on: 17th February 2022
Drew Ssora's avatar
Drew Ssora

Best. Bank. ever.

5
It's great to use with my friends, the functionality is helpful, innovative and intuitive. Plus Monzo seem like they're always trying to do good things in the world. Reviewed on: 17th February 2022
Finlay's avatar
Finlay

Best account in the market

5
Monzo has the best account and is the easiest to use. Reviewed on: 17th February 2022
Vojtech's avatar
Vojtech

Okay, but not great

4
I like the product, but NOT the management. Using account as bill paying tool, but always aware that Monzo can go funny and close my account with no reason. That's why keeping extra rent money aside, just in case. Not the best reputation about them so far from my environment people. I am happy to keep an account and use it, but it would be NO skin off my nose it it would get closed. Reviewed on: 16th February 2022
Remi's avatar
Remi

Best bank in UK 100%

5
I have been with monzo for over 2years best thing I did I they have never been any problems I don't think any other bank can beat them I will find it hard for them to keep with monzo as they are always 1step a head of other banks Reviewed on: 16th February 2022
David whiteside's avatar
David whiteside

Monzo is amazing

5
Really love my personal and joint current accounts Reviewed on: 16th February 2022
Raquel's avatar
Raquel

Future of Banking

5
I've been with Monzo since their Beta days when it was run only on pre-paid cards. Since then Monzo (and it’s app) have really grown leaps and bounds over the competition. The Monzo app is my financial centre, I have my salary paid in, credit cards linked through Open Banking, savings pots, just everything you could need from a bank, all in the one app. Their app is fast, fluid and you have everything you need from a bank right in your pocket. Anytime I’ve had to contact their customer service, I’ve always had a fast and friendly response. Reviewed on: 16th February 2022
Christopher Cheyne's avatar
Christopher Cheyne

Monzo

5
I was recommended Monzo through my family and in turn I've recommended it to others. It has been consistently easy to use: from initial set up, to exploring what Monzo can offer, to supporting savings. I think the design of the app is simple and very user-friendly. Every transaction is in real time (even transactions abroad) leaving you with knowing your exact balance all the time, and customer service (if needed at all) is very responsive. Reviewed on: 16th February 2022
Lucy's avatar
Lucy

Great service and visibility

5
Great service and visibility, there's a lot of features around simplifying the ux and ui, which has helped me manage my finances with minimal effort. It's great to see a modern bank that cares about its new customers and continuously updated them on the latest situation. Reviewed on: 16th February 2022
Akash Payne's avatar
Akash Payne

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