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

Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% 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

Great app and easy to use with lots of different fea... Great app and easy to use with lots of different features! Reviewed on: 6th September 2026
Stuart McCune's avatar
Stuart McCune

Latest lowest rating:

1

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
DreadHead87's avatar
DreadHead87
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 (19431)

First class app thats easy touse and great savings

5
First class app thats easy touse Reviewed on: 23rd February 2026
Barry P's avatar
Barry P

Nothing is too much for customer service

5
Nothing is too much for customer service, all issues are resolved quickly! Great bank and cute cards! Reviewed on: 23rd February 2026
Sandra J's avatar
Sandra J

Excellent money keeping tools that have helped me re...

5
Excellent money keeping tools that have helped me rebuild financial stability after clearing my prior debt. Reviewed on: 23rd February 2026
Max B's avatar
Max B

Easy and efficient

5
I love how easy monzo is to use, the excellent features such as saving pots and bill pots makes sorting my finances so much easier. Reviewed on: 23rd February 2026
Emma Crocker's avatar
Emma Crocker

5 Stars for 10 Years of Monzo

5
Monzo has been my main current account for over a decade, and it’s honestly one of the few services I can say has consistently got better year after year. It started out as a brilliantly simple, modern way to manage money, and since then they’ve continuously developed the product without losing what made it great in the first place: clarity, control, and a genuinely user-friendly experience. The app is the standout. Everything is fast, intuitive, and transparent — instant spending notifications, easy transfers, and a clean view of what’s going in and out. The budgeting tools make it effortless to stay on top of day-to-day spending, and it’s just as good for the boring stuff (bills, direct debits, paydays) as it is for everyday purchases. It feels like Monzo actually wants you to understand your money, not just hold it. What really seals it for me is how Monzo keeps evolving. Features roll out regularly, improvements feel purposeful, and the account never feels “stuck in the past” like so many traditional banks. After 10+ years, it still feels like a product built for real life — simple when you need it to be, powerful when you want more. If you want a current account that’s modern, reliable, and constantly improving, Monzo is hard to beat. Reviewed on: 23rd February 2026
Shawn's avatar
Shawn

Monzo is amazing!

5
Monzo is amazing! Everything is very clear on the app and everything is explained in details, whether you’re applying for a loan or setting up an ISA - it’s all explained very well. Early payday is a special treat too! Reviewed on: 23rd February 2026
Hayley 's avatar
Hayley

Great Current Account

5
Very accessible, instant notifications, good cursory statistics about your finances, and the abilities to do set up direct debits out of pots, salary sorter and that sort of thing are outstanding. The only real drawback is the number of benefits offered by the paid plans, which are definitely beaten by similar competitors like Revolut. Reviewed on: 23rd February 2026
Fraser McEwan's avatar
Fraser McEwan

Never any problems using this account and love it wh...

5
Never any problems using this account and love it when I go abroad as I do not incur any charges when using my debit card. Monzo also keeps me fully updated about any changes Reviewed on: 23rd February 2026
Sarah's avatar
Sarah

Is good bank he offer many things like give you over...

5
Is good bank he offer many things like give you overdraft and also give you credit card Reviewed on: 23rd February 2026
Syed a's avatar
Syed a

Super modern and easy to use.

5
Super modern and easy to use. I enjoy all the perks they have to offer and being able to get my paycheck a day early is super useful. Reviewed on: 23rd February 2026
Ben's avatar
Ben

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 3189 reviews
    Monzo

  • Under 16s account

    from Monzo 4.89 from 946 reviews
    Monzo

  • Investments

    from Monzo 4.85 from 1152 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