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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%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
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)

just works

5
just works. Easy to use via the app with real world touch points when needed Reviewed on: 16th February 2026
Constantin's avatar
Constantin

The best account for young people when transferring...

5
The best account for young people when transferring money to and from friends or splitting bills. Reviewed on: 16th February 2026
Alexa W's avatar
Alexa W

switched to monzo as priamry bank a few years ago.

5
switched to monzo as priamry bank a few years ago.Pots for managing monthly bills is superb and ease of using the app to move money from pots to general spending soo useful. Reviewed on: 16th February 2026
DaveC's avatar
DaveC

Simple, easy and hassle free.

5
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
Hayley B's avatar
Hayley B

Great bank!

5
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
Charles Ishy's avatar
Charles Ishy

Monzo Transformed My Finances

5
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
Faith T's avatar
Faith T

Great customer service and prompt responses.

5
Great customer service and prompt responses. easy to use app Reviewed on: 16th February 2026
Ruby G's avatar
Ruby G

so quick to open an account, great functionality too

5
so quick to open an account, great functionality too Reviewed on: 16th February 2026
Michelle T's avatar
Michelle T

Frist class service and very helpful

5
Frist class service and very helpful Reviewed on: 16th February 2026
Benzo's avatar
Benzo

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

5
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
Lord Parker's avatar
Lord Parker

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