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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19406 reviews)

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4.85

Based on 19,406 reviews, last reviewed 19th May 2026

77% increase in 5 star reviews

in the past 90 days

220% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

They have such a variety of ways to help you save, a... They have such a variety of ways to help you save, and cashback offers. It's a fun, innovative bank that will always be used as my main account, as it... Read more Reviewed on: 19th May 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 (19406)

Best Account Ever!

From the transfer process, benefits and day to day use, it's by far the best bank account I've ever had. Reviewed on: 23rd February 2026

Ive been with Monzo since 2018

Ive been with Monzo since 2018 and never had any issues. I love thier pots and savings which gives me peace of mind to managing my money. Thier perks on Max that covers insurances, cinema tickets and much more at £17 per month is excellent. Ive recommended Monzo to several people now, that love the banking App. Reviewed on: 23rd February 2026

Monzo, if you’re not with them, you’re missing out.

I pay £7 per month for Monzo perks. It’s fantastic. The benefits you get are amazing. You get 3.25% AER interest rate on your savings (pots) one free Greggs, one cinema ticket (plus 10% off food and drink at VUE) Uber One, and a railcard… all for £7 A MONTH. Phenomenal. You can also get advanced roundups a Bold Coral card (which looks sublime). There’s loads more but my point is - for £7 a month you get all that!! But even if you just use the free plan you still get your salary paid a day early, competitive interest rates and fantastic customer service. One thing also that rarely gets mentioned when talking about banks is Monzo’s app. It’s not only super simple to use, but also you get notifications the SECOND money comes in or out your account - allowing you to keep track of your finances easier. If you’re not on Monzo, you’re missing out. Seriously. Reviewed on: 23rd February 2026

Easy to open and easy to use !

Easy to open and easy to use and it lets you know when you spend money and when you receive money Reviewed on: 23rd February 2026

Loyalty since 2018, and I would never swap!

I've been with Monzo since 2018/2019 and I've never thought once about changing banks! They have a very Intuitive app, even my nan could use it without a problem. I pay for Monzo Max every month at £22 and my whole family (my 2 kids and fiance) are covered for holidays, my phone and partners phone are covered, I get freebies here and there and a free year of Uber One! (Which when you live in a little village, it's a massive saver!--- I save £9 delivery fees every time I order now!). I'm looking into their contents insurance to set up next as that's really good cover for a very small fee and keeping it all in one app....so easy! They run a new giveaway where you can possibly get your pay doubled or the payment of a bill back! (I hope I'll win soon!). I've had a few people move to Monzo because of how much my partner and I rave about them! Everything is just so easy and intuitive! I wouldn't never change banks! Reviewed on: 23rd February 2026

I’ve never had a issue with Monzo, they have multipl...

I’ve never had a issue with Monzo, they have multiple times recognised fraud attempts On my account and blocked and protected me and my money. They have put my pensions into one place which I love and the interest rates on pots and savings is perfect for what I was looking for Reviewed on: 23rd February 2026

Easy to use, great customer service, good rates, all...

Easy to use, great customer service, good rates, all around a great bank. Highly recommend. Reviewed on: 23rd February 2026

Great on line account- easy to use and very secure...

Great on line account- easy to use and very secure Reviewed on: 23rd February 2026

Good banking

I have never had a massive issue with Monzo, the app is great, the perks are great, I like the Monzo flex idea and the penny challenge is brilliant. The only gripe I have is that even though I have a good credit score, I couldn't get a loan through Monzo. Apart from that, no issue! Although I'd love the chance to win the prize draw and double my salary one month! Reviewed on: 23rd February 2026

Simple to use - great product.

Simple to use - great product. Use for all my day-to-day spending Reviewed on: 23rd February 2026

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