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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%
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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
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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 (19426)

Great banking.

5
Does exactly what I need a bank to do and is really really easy to use. Reviewed on: 18th April 2021
Kyle Holdrick's avatar
Kyle Holdrick

Easy , simple , safe

5
I like it I am recommending to all my friends. Not complicated, easy to use. They have very efficient customer service Reviewed on: 18th April 2021
Samih Salih 's avatar
Samih Salih

It just works! Smoothly.

5
Very useful and efficient response to the needs of personal banking. Reviewed on: 18th April 2021
Raul Tavares's avatar
Raul Tavares

The only bank where I feel totally in control

5
This banking organisation knows what people want, and they aren't afraid to give it. There are a myriad of functions that can help the youngest and oldest bankers alike to manage their money, as well as make it easy to share and make payments. I've recently signed up to the plus account and really and truly this is the golden standard for banking today. They understand internet security and the importance of keeping a control on budgets. They assist in every way they can including providing financial advice if you are in overdraft or need to speak to one of the team. To top it off, they give an amazing exchange rate and ability to withdraw foreign currency abroad up to a certain cap amount. The list goes on, but all I can say is overall this is the future of banking. Shift over HSNatSanLloy, this is digital and tech banking for the 21st century. Reviewed on: 18th April 2021
Zak's avatar
Zak

App is missing some important features

2
Such as viewing card details, that's a big one - I don't really like to have to get out my card every time I'm purchasing something online I should be able to review my cc details on the app.. having a IBAN to receive international transfers - should be a given but it isn't. The card is also not accepted in a few platforms when doing online purchases for some reason. I've got another MasterCard with another online banking provider and that ones works everywhere. In terms of customer service: not really speedy or friendly. Never been offered an overdraft despite it being my main account for 2 years in comparison with another online banking provider that have offered me an overdraft as soon as I moved my monthly salary to be transferred there (I don't use it but it's nice to be offered and have the option to). The other provider also rewards me with interest for moving my money through their app. Monzo is missing small perks that make all the difference to me as a customer. Reviewed on: 18th April 2021
Sofia's avatar
Sofia

The best bank ever

5
Monzo is the best bank ever. It's got so many features to help keep a track of complicated spending patterns. It helps you save money without thinking and helps you budget all your spending across all your accounts not just your Monzo Account. Reviewed on: 18th April 2021
Olly's avatar
Olly

Excellent bank

5
Easy to use, fantastic features, brilliant Reviewed on: 18th April 2021
Jo Davidson's avatar
Jo Davidson

Very good

4
No hassle banking.all done on line.regular updates. Reviewed on: 18th April 2021
Brian hughes's avatar
Brian hughes

I like it

4
Handy tools, friendly user interface. But sadly Monzo relies too much on their scripts and closing down genuine accounts too. That's why their reputation is not as good as Starling bank Reviewed on: 18th April 2021
Remi's avatar
Remi

Always recommend, without hesitation

5
I’m 57 & I’ve been with 4 different banks in my adult life. The first was one of the big four, which was the most awful by far. Switched in the 1980s to a more ethical bank (yes they sort of existed then). Then switched again when I got a current account mortgage. When I was free of the mortgage, family members recommended Monzo. It has been the best of all. So much easier to track my spending and saving. You’re never too old to enjoy new approaches to money management and the app is sound. Reviewed on: 18th April 2021
Wendy's avatar
Wendy

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