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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

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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

96%

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

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

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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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Awards

Best British bank 2025

Awarded to the bank rated highest in UK customer reviews.
Best banking app 2025

Awarded to the bank rated highest in customer reviews for their banking app.

Monzo Current account reviews (19422)

Easy to use, friendly customer service

Payments still happen on non working days unlike inconvenient bank banks. Banks need to have their electronic/online platforms be more flexible and not outdated as the banking system currently is. Monzo is way ahead of the curve. Easy to use, easy to setup saving pots and you are always control with your money and know if anything that is outgoing so is very secure. Very happy with Monzo. Reviewed on: 13th April 2021

Doesn't feel like a bank - that's great!

Traditionally banks still have the imagine portrayed in Mary Poppins! That I think is fair for most banks still where anything you need of them is full of unexplained hoops to jump through. Monzo seem to have figured out that it's my money I've trusted them to look after and make it easy to do what's needed, splitting it into groups (pots), opening or closing savings, round up saving. But most importantly is instant account updates, so you always know where you stand, and if something is wired there's always someone on chat to look into it and are very informative about how money systems work when explaining things that look weird to average Joe. Favourite extra is receiving my pay packet a day early. Just makes sorting bills way easier! Reviewed on: 13th April 2021

The last bank

From the first Monzo have done all the right things. The App works. It just work. It put's all the legacy banks to shame. They're open and honest about things. The gamificatino of money is complete with these guys Reviewed on: 13th April 2021

It has made banking so simple

I can’t recommend Monzo highly enough. It has really helped my husband who had struggled with dealing with banks to get on top of his finances and to start saving. Reviewed on: 13th April 2021

The best app experience from a bank

I use the apps for multiple banks and none of them are even close to the experience that Monzo offers with the app. Other bank apps feel antiquated and you can tell not a lot of focus is put in them Reviewed on: 13th April 2021

Innovative

They are continually developing and always striving to improve the service they offer to their customers! Reviewed on: 13th April 2021

Useable modern banking

Easy to navigate around, user friendly. Love the pots for saving and the round ups. Modern way of banking, really impressive. Reviewed on: 13th April 2021

Reliable

Very reliable and very good customer services when it comes to responding Reviewed on: 13th April 2021

Brilliant banking

Great banking experience very easy to use well impressed Reviewed on: 13th April 2021

Never had an issue, top tier bank!

Never had an issue, top tier bank! Always done what I need and they pay my wages early! Reviewed on: 13th April 2021

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