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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)

Simple, easy and hassle free.

Simple, easy and hassle free. Everything a bank should be. Even better being able to link my children’s accounts to mine. Well done Monzo!! Reviewed on: 16th February 2026

Great bank!

I’ve been with mingo for over 5 years and it’s got better and better. They make it easy to manage your money. Reviewed on: 16th February 2026

Banking at it's best! Lots of perks and no hassle!

They offer lots of grear services such as cashback, bills payback, salary sorter, double pay and saving pots. So many great features which make banking much easier and rewarding. It's secure banking and easy to do what you need to without stress. Helpful guides and information to hand to guide you through. Above and beyond other banking companies. Reviewed on: 16th February 2026

Monzo Transformed My Finances

Monzo has genuinely transformed the way I manage my money. The range of features goes far beyond what you’d expect from a traditional bank — from intuitive spending insights and budgeting tools to flexible savings pots and easy access to investing. Since opening my account, I’ve saved more consistently than ever before, felt completely in control of my spending, and even gained the confidence to explore new products like investing. The app makes everything clear, simple and empowering. In addition to the budgeting tools, the Perks make a real difference. Weekly treats like Greggs and cinema tickets, discounted rail travel, and benefits like fee-free withdrawals and cash deposits make everyday spending feel more rewarding. Features like Advanced Roundups have helped me build savings effortlessly, while earning competitive interest on my Instant Access Savings has made my money work harder. The ability to create virtual cards adds extra security and control, and credit insights help me stay informed and proactive about my financial health. Even small details, like custom categories and automatic transaction tracking into spreadsheets, make managing money feel simple and organised. It’s rare to find a bank that feels this modern, supportive and easy to use. I’ve recommended Monzo to family members because it’s made such a positive difference to my finances — and I wouldn’t hesitate to do so again. Reviewed on: 16th February 2026

Great customer service and prompt responses.

Great customer service and prompt responses. easy to use app Reviewed on: 16th February 2026

so quick to open an account, great functionality too

so quick to open an account, great functionality too Reviewed on: 16th February 2026

Frist class service and very helpful

Frist class service and very helpful Reviewed on: 16th February 2026

Had Monzo for a few years, been using them on all my...

Had Monzo for a few years, been using them on all my overseas trips and the app is amazing at conversations. The app is by far miles ahead of the rest. I have moved all my accounts to Monzo Reviewed on: 16th February 2026

Good service and perks

I like that it's easy to get hold of someone on the in app chat rather than having to call if i want help. I also have a paid account where I get extra featurs like preferential savings rates, cinema tickets and a sausage role. Reviewed on: 16th February 2026

I can't see a time I'll stop using Monzo

I've used Monzo for around 10 years from before they were actually a bank. I can't actually think I've ever had a problem. I use it all the time, I'd be surprised if anyone used them more than I do. It's far better than any other Bank I've used. Reviewed on: 16th February 2026

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