Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

Monzo: Current account reviews

View other Monzo products
4.85
Based on 19,426 reviews, last reviewed 8th Jul 2026
91% 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

Always easy to use. Always easy to use. App is very user friendly. Language clear and understandable Reviewed on: 8th July 2026
Gavin P's avatar
Gavin P

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
Read all reviews Write a review

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.

Review Monzo: Current account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Monzo Current account reviews (19427)

Budget

5
Monzo has been amazing for helping me to manage my money. The different pots help me to save for specific things and budget properly. The information provided is great - everything is so clear and simple. Splitting bills is so convenient and the shared tab is super useful for tracking how much is owed without having to do maths! Categorising my spending has also been a massive eye-opener so I know exactly where my money goes. Reviewed on: 25th January 2022
Layla Witham's avatar
Layla Witham

Effective banking

5
Has good interface and money management options. Reviewed on: 25th January 2022
Daniel Appleby's avatar
Daniel Appleby

Most innovative bank

5
Monzo is so easy, helpful, fun and innovative, from rolling out new exciting products, to having the best customer services team. I would defo recommend this bank to everyone. Reviewed on: 25th January 2022
nan916's avatar
nan916

Monzo is incredible

5
Monzo have been the best current / business account provider I have every found. With chances to round up your seconds and make savings, unbeatable! Reviewed on: 25th January 2022
Lauren Myhill's avatar
Lauren Myhill

Intuitive and effective

5
The app just works and has the features one would expect and then some! Reviewed on: 25th January 2022
Jon's avatar
Jon

Faultless

5
Just an overall great bank I cannot recommend them high enough Reviewed on: 25th January 2022
Annie Peel's avatar
Annie Peel

Perfect.

5
Before I switched to Monzo permanently, I used to hop from bank to bank as none of them were special, and I’d earn £100+ with each switch. I opened my Monzo account in 2016 when it was in Beta, and even then I could tell they felt different. I made the jump to permanent use in 2019 and I haven’t looked back since. It’s app and service are simply unmatched. It may be missing the traditional branches of a regular bank, but with their network of pay-points this has never been a problem for me and there has always been a store nearby that allows me to pay cash into the account on the rare occasion I need it. I pay for Monzo Premium as the product offers some excellent benefits (I.e credit tracker, round-ups, virtual cards, mobile phone insurance, worldwide Axa travel insurance, discounted airport lounges), and I even get 1.5% interest back on my balance and savings of up to £2000 which helps bring that cost down. One of the huge selling points for me is the instant notification on my phone or Apple Watch for every payment I make, PLUS the details and map showing exactly where you have spent/withdrawn. This also bolsters security immensely, and has even saved me from an unknown transaction due to a skimmed card. Thanks to the location awareness of my card and my mobile, Monzo prevented somebody from using my card details in Germany. I received a notification on my Apple Watch while at work, and I was instantly able to tell Monzo it wasn’t me, and a new card arrived within 2 days. On the odd occasion I’ve needed to speak to a representative, the service has been excellent. Chatting through the app has been efficient and the issue has always been resolved there and then. Banking really doesn’t get much better than this. Reviewed on: 25th January 2022
hTmlR00lzz's avatar
hTmlR00lzz

Excellent customer service

5
Always quick to respond and very quick to sort out anything, and brilliant when I was frauded, they got my money back asap and kept contacting me to get it moved on when I was dropping the ball on getting back to them. Couldn't ask for better. Also I love the virtual cards and credit tracker of the plus account. Reviewed on: 25th January 2022
DJ Dohboy's avatar
DJ Dohboy

Everything is easy!

5
Visually perfect. Easy to move money, send money. Get a statement. Get paid early!!!! Reviewed on: 25th January 2022
dtb1207@me.com's avatar
[email protected]

Superb!

5
Not just a place to store money, but keep it organised as well. It's really simple to keep track of your spending and exactly where it's going. Simple saving tools. A really clear and fast app the works all the time without a really slow login process. Support has been great whenever there's been issues with retailers and everything gets sorted out really quickly. They also explain really clearly exactly what's going on. Best of all they give me payday the day before! Reviewed on: 25th January 2022
Matt's avatar
Matt

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from Monzo?

  • Flex Purchase credit card

    from Monzo 4.90 from 3186 reviews
    Monzo

  • Under 16s account

    from Monzo 4.89 from 945 reviews
    Monzo

  • Investments

    from Monzo 4.86 from 1145 reviews
    Monzo
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill