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)

Great bank, great app

5
I pay for a Premium account, which gives me insurance, virtual cards, my credit rating, a live feed to a Google spreadsheet of my transactions. The app is genius, so much better than Halifax (my other bank), and budgeting is made so easy with the tagging facility. Reviewed on: 24th January 2022
ramtops's avatar
ramtops

The future

5
Monzo demonstrates how the future of banking should be; Easy, clear, and inclusive. Reviewed on: 24th January 2022
JB's avatar
JB

Modernising the future of banking

5
Everything the classic banks are slowly doing now to get into the 21st century is all stuff that monzo has been doing for years and doing it better. Everything from their customer service to marketing strategy are just best in class in my experience Reviewed on: 24th January 2022
Grdtrm's avatar
Grdtrm

Best current account out there

5
I’ve never had a bank account that makes finances so easy and simple, and helps me manage my money and save so easily. I’m in a much better situation thanks to Monzo that I ever was with my old bank. Reviewed on: 24th January 2022
Jack Walker's avatar
Jack Walker

Most advanced product and service

5
The monzo experience is light years ahead of its competitors. The app provides unparalleled insights into spending habits, segregation of repeat/one off large expenditures/flawless integration of other accounts into analysis to name but a few useful features. Monzos service beyond the app is also so much quicker, easy to talk to a real person and replacement cards arrive quickly. When competitors are advertising new features on TV that Monzo has been providing for years (e.g. freezing card spending) then you know you're with the most innovative bank. Reviewed on: 24th January 2022
Ed Rose's avatar
Ed Rose

Great banking experiences

5
Easy to understand app. Loads of different features from pots to flexi pay. Generally feels better than the main banking experience Reviewed on: 24th January 2022
Craigy's avatar
Craigy

Love

5
Its just such an easy process and the customer service are always helpful and reply straight away, plus you get paid a day early Reviewed on: 24th January 2022
Ellie's avatar
Ellie

Modern, helpful & secure

5
I can’t rave about Monzo enough, from their ease of accessing customer service, to the way my account has always been kept secure. It’s also helped me so much to save money - they have so many more options than other banks, like their Pots! They manage to make banking fun! Reviewed on: 24th January 2022
J's avatar
J

Online banking made easy!

5
Been with monzo for about 4 years now and they have been absolutely amazing, they have the quickest and best customer service, best app layout and overall the best bank. Everything is laid out perfectly in the app and they have a lot of features such as pots to separate your money and save up using roundups. Would highly recommend to anyone I know! Reviewed on: 24th January 2022
David Birch's avatar
David Birch

Most efficient and understandable Current Account

5
So many features to make it easy to track spending habits, start savings and keep on top of money, perfect for a student and no fees abroad is a life saver! Reviewed on: 24th January 2022
Matthew Thom's avatar
Matthew Thom

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