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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)

Fresh new banking

Clear and simple. Fresh ideas and easy to use. Reviewed on: 13th April 2021

Really convenient

Having a current account with Monzo is so convenient! I can use a phone app to check my balance, set up payments and contact a member of staff if needed. I can pay in cheques by post using Freepost so that there is no charge for the postage. I have a debit card to make in-person payments or cash withdrawals. I don't miss having a branch at all. Reviewed on: 13th April 2021

Easy and reliable

Monzo is easy to setup and the app is easy to use. Reviewed on: 13th April 2021

Simplicity at its best

I love my Monzo card. From its bright colour which makes it stand out from my others, to having a phone and iwatch notification immediately when money enters or leaves my account. Speaking to someone online about the account is easy and quick. When I flagged up a transaction I didn’t recognise, I was immediately refunded. Not have to wait a month like some high street banks make you wait. I love the savings account where my spending is rounded up. It helps so much. The only negative I have with MONZO is that the card is a MasterCard which is not recognised by the post office when I want to deposit cash into my account. It’s then I have to use my high street bank and transfer from there, which is disappointing. Hopefully this is something that will be recorded in the future. Reviewed on: 13th April 2021

Revolutionary Banking

Since switching fully from a traditional bank to Monzo I've had nothing but positive experiences, wish I'd done it years earlier. Reviewed on: 13th April 2021

Love Monzo

I love Monzo but the downside is not much offers or benefits for the premium card. Reviewed on: 13th April 2021

Monzo is a game changer

Best bank I have had an account with. Monzo empowers the user and facilitates control. Reviewed on: 13th April 2021

Great app

Easy to use app, great features and fab customer service Reviewed on: 13th April 2021

Best bank

Fantastic bank no hassle at all. Reviewed on: 13th April 2021

Would definitely recommend!

Have been a customer since beta phase, now use for personal abs business! Reviewed on: 13th April 2021

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