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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)

Forward thinking modern banking

Never had a problem with Monzo but it's more than that, they have really forward thinking approach. I particularly love bill spilt and running split functions. The cashback offers aren't just token ones like most banks, they're often for places we actually use! I used to be with Lloyds and all the cashback offers were for places you'd never heard of and you had to jump through hoops to use it. Monzo make it all really simple. No fees abroad is fantastic too. You'd think this would be standard now but a lot of banks it's not. Whilst I can't imagine I'll ever win, the double your salary competition each month is a lovely idea. Reviewed on: 20th February 2026

Modern bank, easy to use app, friendly communication...

Modern bank, easy to use app, friendly communication, problems are sorted fast Reviewed on: 20th February 2026

Leaves all other banks in the dust.

Leaves all other banks in the dust. Great app, great service. It works, all of it, it just works. Reviewed on: 20th February 2026

So easy to set up, responsive and helpful bank.

So easy to set up, responsive and helpful bank. Great instant access rate, makes banking fun Reviewed on: 20th February 2026

I've been a customer for 8 years.

I've been a customer for 8 years. Fintech if the way forward GUI is the bees knees. Managing my spend across accounts, tracking my mortgage and pensions and ultimately ease of maintaining a budget are critical features that Monzo excels at. Then there's Greg at Monzo and the social media team who makes for great engagement and keeps me updated on developments. The deposit protection for up to £120k is peace of mind. All in one place. Reviewed on: 20th February 2026

The UI is the main perk so easy to navigate...

The UI is the main perk so easy to navigate on a phone Reviewed on: 20th February 2026

Making money work for everyone

Great bank lives by it's mission, making money work for everyone Reviewed on: 20th February 2026

Almost perfect from a customer perspective

Great company, easy to use, awesome security features including pip up when you use on your phone. Quick response when you purchase. Great value for money when paying for Max. But crap that you can get a fee for withdrawing cash. Great account for online/card only. Reviewed on: 20th February 2026

prompt, helpful, best banking app there is

prompt, helpful, best banking app there is Reviewed on: 20th February 2026

Delighted Customer since 2017.

I have been a Customer since 2017. will never returntontraditikna baking - they just can't keep up. Monzo is innovative with newmleducta and investments coming in all the time. Helping me to save. Reviewed on: 20th February 2026

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