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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 29th May 2026

21% increase in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Nothing but amazing Monzo have been an amazing bank since the start, especially after a RTC which cause lengthy overdraft issues they where understanding and helped fully... Read more Reviewed on: 29th 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)

A bank you can be friends with

I've been with Monzo for 4 years and have always found them helpful and easy to use. They make everything accessible and don't bog you down with the ridiculous wording that other banks do. There is always someone available to speak to if there is an issue and the app is so easy to navigate. Reviewed on: 13th April 2021

Excellent mobile banking

When I was in need of bank account to do something no other bank open it for me all because they requested alot of proof of address and I didn't get all so they didn't open it for me. But with monzo they requested few, and am proud to used monzo. Thank you very much. Reviewed on: 13th April 2021

Excelent simple bank

Excellent simple easy to use one of the best banks iv ever had so easy to navigate through the app Reviewed on: 13th April 2021

Poor customer service and poor app

In general, Monzo is a great bank, that is until you face any kind of real problem. By problem, I mean something that is Monzo’s fault and not yours. Monzo customer service are great at resolving problems so long as you have pressed the wrong button for example, however if their app is at fault they very rarely do anything about it. A perfect example is the “get paid early” feature. Monzo will allow you to get your BACS salary payment a day early, however if you do this, the summary feature in the app breaks as it expects you to be paid the next day. Despite me reporting this and a massive thread on their forums about it, it’s been over a year and nothing is done. Their customer service can sometimes take weeks to reply, it’s the slowest customer service I’ve ever received. They also use bots to reply to customers despite denying this when asked, pretending that they are real people. Incredibly disingenuous behaviour, poor customer service and broken app features makes Monzo a poor bank for customers. Reviewed on: 13th April 2021

Banking made like it should be

Fluid, easy, secure, transparent. Everything I want in a bank and more. Monzo are the future of banking. Reviewed on: 13th April 2021

Best Bank

Never have a problem so much more options on internet banking and always there to help Reviewed on: 13th April 2021

Amazing!

Too many to mention, first time in my life I’ve been able to budget and save, the bills pots are brilliant, splitting tabs, transfers, early pay day! Reviewed on: 13th April 2021

Love it!

User friendly interface and so quick Reviewed on: 13th April 2021

Simply the best banking experience I have ever had

Simple yet advanced with very useful functions to help with everyday banking and financial management. hassle free and absolutely amazing!!! Reviewed on: 13th April 2021

Brilliant bank

Always helpful and responsive to any issues of concern. Clarity seems to be very high on the agenda Reviewed on: 13th April 2021

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