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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
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0%
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0%
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1%

Latest highest rating:

5

Great app and easy to use with lots of different fea... Great app and easy to use with lots of different features! Reviewed on: 6th September 2026
Stuart McCune's avatar
Stuart McCune

Latest lowest rating:

1

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
DreadHead87's avatar
DreadHead87
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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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Monzo Current account reviews (19431)

Great App .efficient

5
Great App . Efficient and transparent. Every transaction, you receive a notification which is ideal . Reviewed on: 21st February 2026
Pete Wake's avatar
Pete Wake

Convenient; safe; great cost performance

5
Convenient in nearly all kinds of ways and even it is cheaper than HBSC and Lloyds Monzo still very good at service and realy care about customers security Reviewed on: 21st February 2026
Siwei A's avatar
Siwei A

Very easy to set up and manage my current account.

5
Very easy to set up and manage my current account. Recent addition of being able to see all other accounts definitely helps me keep an eye on my transactions. Reviewed on: 21st February 2026
Angela S's avatar
Angela S

It just works

5
It just works and saves me from haveing to go miles to a physical bank. Reviewed on: 21st February 2026
jono clark's avatar
jono clark

User friendly interface and responsive team.

5
User friendly interface and responsive team. Reviewed on: 21st February 2026
Anisa M's avatar
Anisa M

Needed a financial company moving to Europe from the...

5
Needed a financial company moving to Europe from the USA and Monzo were fantastic Reviewed on: 21st February 2026
Derek 's avatar
Derek

Great bank to be with,the perks are great good IR, t...

5
Great bank to be with,the perks are great good IR, the ability to flex and most recently the child's accounts, looking forward for the partnership and open doors to the property ladder. Well done Monzo! Reviewed on: 21st February 2026
Rui Silva's avatar
Rui Silva

Incredibly good; not perfect

4
I've had a really good experience with Monzo so far, using their current account for the last year or so. In my opinion, Monzo shines through a few things - their modern approach to banking, funny and informative social media, and ease of use. I say modern, because I don't know many other banks that have some, and definitely not all, of the following: Running Splits; Split the Bill; sending and receiving money through links/QR codes; relevant and useful cashbacks; no fees overseas; instant card freezing; undo payments; automatic sorting into pots; and more. Their social media team is brilliant - providing insights into new updates and what they're working on, but having fun with it - it feels human, which pure corporate-ness really lacks. Ease of use because they have an incredibly slick UI (their app looks and feels smooth to use), things are mostly where they should be, you have plenty of customisation to your homescreen in the app, and a lot of it just makes SENSE! However, it's not perfect. For the most part, getting in touch with customer service is APPALLING, and that's if you can even find the button to call them. Their 'we're not calling you' feature doesn't always work (and in my experience it generally hasn't), their customisation is a little annoying - and you can't get rid of everything and make it truly yours (their 'suggested actions' stays regardless). Their savings rates are truly below average, and some of their features are locked behind paywalls, which they constantly remind you about. That said, I do love Monzo. Switching was easy, once I did get through to customer service, they were very helpful, and I don't see any other bank being half as good as this one is. Reviewed on: 21st February 2026
Fin's avatar
Fin

Amazing!

5
Monzo it's not only a super stylish app but really convenient for splitting bills, requesting money and transfering really easily. I really love getting notifications when money comes in or goes out, it really helps me track my spending. Recommend! Reviewed on: 20th February 2026
anonymous's avatar
anonymous

Im glad i made the switch.

5
Im glad i made the switch. The app is so much where all banks should be by now but they are not. Reviewed on: 20th February 2026
GaryE's avatar
GaryE

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