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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%
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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)

Best bank

5
Easy to manage my accounts through the online app Reviewed on: 14th April 2021
Gabriel 's avatar
Gabriel

Service

5
reliable, safe and quick has to be one of the best banks out there if not the best bank Reviewed on: 14th April 2021
Micheal 's avatar
Micheal

Quality service and easy to use

5
I like the little things where I can request payments from other monzo users I can set up different saving pots allocate different direct debits to come out of which pot I choose I can see how my money is spent on different categories I find it so easy to use and find the helpline and live chat very helpful too overall I’m glad I joined and have recommended to friends and family Reviewed on: 14th April 2021
David Graham's avatar
David Graham

Excellent customer service

5
Not only does Monzo allow fee free use abroad, you also get a good allowance. Getting a notification for every transaction and being about to add a category and/or tag for each transaction allows you to keep a close eye on your spending. Cannot recommend this bank enough :) Reviewed on: 14th April 2021
Suebees 's avatar
Suebees

Best bank in the world, by miles!

5
Monzo have built a product, in fact, a company - which is absolutely top class. Even with the fairly limited scope of the product as it currently stands (primarily just current account), they've made it such a delight to use, that I can't wait till they offer more financial products and services so I can stop using clunky, legacy banks! I've been a customer of all of the competitors (including all of the legacy UK banks, and challengers like Starling, Revolut and even the Dutch Bunq), and while several of those have great experiences now, I still come back to Monzo as my favourite and the one I trust the most to give me accurate, instant information about everything related to my account. I recommend it to everyone in the UK, and have done for years! Reviewed on: 14th April 2021
Andrew Beveridge's avatar
Andrew Beveridge

Perfect Bank

5
I am really happy being part of this bank. The app is incredible and you are in touch with your finance. Reviewed on: 14th April 2021
Dilyan Radev's avatar
Dilyan Radev

Best bank, period!

5
I’ve banked with most of the ‘major’ British banks and Monzo is heads and shoulders above the rest. I appreciate their transparency, the constant app improvements, the online community can be really helpful and the customer service is the best I’ve ever experienced in any sector. Whenever I notice my friends aren’t with Monzo I ensure they switch and reap the benefits too! Reviewed on: 14th April 2021
Lowri's avatar
Lowri

Brilliant customer experience, convenient and easy to use

5
Initially I got a Monzo account to use as a second account when travelling abroad (pre pandemic!) to avoid unnecessary fees. It very quickly became my main account and as it so easy and convenient to use. Much easier to keep track of spending and splitting out funds into pots are great. The overdraft has been a lifesaver during the pandemic, as I have a reduced income and has been a way to help bridge gap. Their customer service is great. I once had an issue with an atm not issuing cash (but charging me anyway!) and I was able to chat straight away with a (real!) person from Monzo customer service, who was understanding and sorted it all out very quickly! Ta! Reviewed on: 14th April 2021
Kt's avatar
Kt

Love Monzo

5
I initially got monzo when it was a prepaid card as i use to travel to Europe once a month, but i love what it has turned into. Easy to use, transparent, efficient, truly a bank for the people Reviewed on: 14th April 2021
mikip88@hotmail.com's avatar
[email protected]

Best decision i've ever made

5
Using the current account switch service to move from my Halifax current account to Monzo, was literally the smartest financially decision i've ever made! That service alone was epic - but the best bits come when you get your salary paid in. The amount of features Monzo has to offer, transaction round ups, different pots which you can pay direct debts from and the ease in which it is to contact help. Fantastic product they've built, listening to what the actual user wants pays dividends and here is a product not designed for them. But for us, the customers :) Reviewed on: 14th April 2021
Thomas's avatar
Thomas

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