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Monzo: Current account reviews

View other Monzo products
4.85
Based on 19,422 reviews, last reviewed 21st Jun 2026
68% decrease in 5 star reviews
in the past 90 days
10% increase 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

Monzo provides one of the best online experience. Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy.... Read more Reviewed on: 21st June 2026
Mncedisi M's avatar
Mncedisi M

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 (19422)

Absolute game changer

5
Monzo is how banking should have been done for years. Everything is so fresh and exciting with Monzo that I feel in control of my money as opposed to put into a situation which sets me up to miss payments and allow my old bank to profit off my mistakes. With Monzo I am completely on top of my money and savings and saving and budgeting is so manageable. Reviewed on: 14th April 2021
Paul Owens's avatar
Paul Owens

Managing my money better - Finally out of my overdraft!

5
I may be particularly bad with money but almost every month of my adult life I have ended up dipping in to my overdraft. I would over-commit, forget about a direct debit or committed subscription, and buy too many shiny things. This led to every month ending in my overdraft. Some months were better than others but there was still a disappointing inevitability to it. I moved to Monzo two years ago and I genuinely haven't needed my overdraft since AND I've squirrel away some savings. The little spending algorithms are amazing and recognise my spending patterns better than me. I get such great intel on my spending that I can be a proper responsible adult. As a result my credit rating has greatly improved and I have nearly paid off all my unsecured debt. THANK YOU THANK YOU. Reviewed on: 14th April 2021
Emma Bee's avatar
Emma Bee

A brilliant bank

5
Such great customer service provided on top of an already brilliant banking platform which helps me monitor finances much better than any other app. Reviewed on: 14th April 2021
N B's avatar
N B

Monzo and its features

5
I've been a customer since 2019 and their features are mostly a benchmark for other High Street banks. That tells how visionary and thoughtful their features are thinking about customer as always. It's so ease and flexible. Their customer service is really amazing. Reviewed on: 14th April 2021
Pradeep Ganesan's avatar
Pradeep Ganesan

Super bank

5
I’ve never found it easier to save money. Their money pots are a godsend. The staff are super friendly and helpful. I’d recommend everyone to swap to Monzo Reviewed on: 14th April 2021
David Hill's avatar
David Hill

Banking at another level

5
Revolutionary banking - Their technology allows them to spot issues like frauds faster than any other banks/organizations (take ticket master data leak as an example)! Premium Account has definitely the best Phone Insurance and travel insurance in the market. Highly recommend- never had an issue! Reviewed on: 14th April 2021
Ed's avatar
Ed

Monzo review

5
So far, so good! It gives me the flexibility I need when travelling abroad. It is really easy to use and I have not had any issue in the 4 years I have been using it. Reviewed on: 14th April 2021
Josue's avatar
Josue

Amazing

5
It’s just amazing an great to use Reviewed on: 14th April 2021
kabkatembe@gmail.com's avatar
[email protected]

Best banking app and services

5
The app is designed in such way to make the user experience smooth and easy. Their innovative way of communicating to us as customers is done using a language that non bankers people can actually understand. Simple paragraphs without using technical words or lengthy regulation change lists are the key tools that in my opinion helped rebuild the trust that was long broken between people and traditional banks. Moreover the high level of efficiency in Monzo’s services gives the bank more flexibility to be able to meet customers needs. Not having high street branches is perfectly compensated by the online instant support offered as well as a mixed of features in both app and website aimed at guiding customers in every aspect of their experience and providing answer for any possible question/concern. Who misses having to queue to at an high street brunch only to find out when it’s finally your turn that you were in the wrong queue and for what you request you’ll need to make an appointment with a specialist adviser. Not exactly something people have missed in the past year to be honest. I had a traditional bank account for the past 10 years and neither mine of any other well established UK big banks is close enough to being able to compete with monzo’s technology and innovation. They created a way to bank for the people and they are leading the long lasting change in how banks operate. No other banks deserve to win this award more than Monzo does. Thank you Monzo for making my life easier. Reviewed on: 14th April 2021
Raffaele chiocca's avatar
Raffaele chiocca

Simple and efficient

5
Simple to use, love the features like round ups and the layout of the app. Found switching to monzo has helped me save alot more money than previously. Reviewed on: 14th April 2021
Katie McPhail's avatar
Katie McPhail

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