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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)

Why bank anywhere else

Monzo are awesome. Great service, speedy updates and growing benefits. Banking made easy. Reviewed on: 13th April 2021

The best bank in Britain right now

They wonderful, I can't recommend them enough Reviewed on: 13th April 2021

All round gem

Has so much more functionality than the big banks. Can see they are all trying to catch up with Monzo but still nowhere near as clean cut. Reviewed on: 13th April 2021

Best bank I've ever had

Everything can be done so easily online, so no hassle getting a new card or get answers to ur questions. Also get paid a day earlier. Easy to manage savings and everything. Will definitely recommend Reviewed on: 13th April 2021

Monzo changed my life

Monzo helped me understand my finances in a way that had always been out of my reach. It simplified money management gave me the visual and intuitive tools to change my life. Reviewed on: 13th April 2021

The perfect banking app

Honestly can't say enough good things about this app. It's awesome. So many great features that make it easy to make & request payments, monitor your spending and makes savings easy with spending pots. You can instantly see your outgoings which is a fantastic feature. You can use your card abroad without any nasty surprise fees & also withdraw cash which is super helpful. My only quibble would be, if they would add Car breakdown cover to their premium package, I would snap that up immediately but as a single person I can get holiday & mobile insurance for less than £15 a month elsewhere, so it's not really worth it. Reviewed on: 13th April 2021

Brilliant service

My entire family have had a monzo account since they first started with prepaid card. We certainly will not be changing. Reviewed on: 13th April 2021

Great bank very efficient

So easy to use, very prompt sending out a new card after fraud. Great bank! Reviewed on: 13th April 2021

Best Ive tried

I’ve had current accounts at santander and starling, monzo is the best. The transparency, community and simplicity, that’s what does it for me. Reviewed on: 13th April 2021

Just amazing

Setting aside the incredible technology aspect of Monzo I have had to use their customer support a few times and I have found them to be amazingly responsive and effecient. They are polite and highly competent, I have accounts with other banks and comparing time lines for problem resolution by the time I have gone through the forms to tell one bank about a problem Monzo would have fixed it! I find the app to be very useful for budgeting and controlling my spending, also for security as I see all transactions on my account in real time Reviewed on: 13th April 2021

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