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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (18717 reviews)

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4.93

Based on 18,717 reviews, last reviewed 13th Mar 2026

48733% increase in 5 star reviews

in the past 90 days

800% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Best Bank in Uk Best services easy to use and have more benefits than any other bank Reviewed on: 13th March 2026

Latest lowest rating:

1

Poor banking Close bank account for no reason, thats enough said really Reviewed on: 13th March 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.

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 (18717)

Review of the Monzo, Current account:

Im very happy with my bank account as i got a lot of opportunities and the colors of the cards are looking very well

Im very happy with my bank account as i got a lot opportunities Reviewed on: 3rd March 2022

Great modern bank, fantastic offers and incentives.

Great modern bank, fantastic offers and incentives. Easy to use, clear interface. Child bank account is brilliant. Very satisfied customers. Reviewed on: 22nd January 2026

I have been with Monzo for many years and they are p...

I have been with Monzo for many years and they are perfect in every way Reviewed on: 22nd January 2026

Wot a fantastic bank and get paid a day early so han...

Wot a fantastic bank and get paid a day early so handy to have Reviewed on: 22nd January 2026

Absolute ease to use.

Absolute ease to use. No regular bank jargon. All explained and dealt in simple plain English. Not pushy. Accommodative and more than anything, service tailored to individual need Reviewed on: 22nd January 2026

Any problems with my account are quickly identified...

Any problems with my account are quickly identified and dealt with correctly. Investment through the bank are dealt with successfully. Reviewed on: 22nd January 2026

These guys are bloody fantastic, from switching acco...

These guys are bloody fantastic, from switching accounts, to help dealing with fraud, to switching my pension over and also getting wages early. ( it helps these days ) and budgeting it’s a big deal for ordinary people to have a bank which deals with queries fast, and I wish I’d used them sooner Reviewed on: 22nd January 2026

Genuinely great

It’s such a good bank! Easy to use app, customer support chat has always been helpful & actually resolve the problems. Savings challenges have been a super helpful way to boost my savings, as have the easy to set up savings pots. Cashback offers are good & the perks available if you upgrade are actually good. Reviewed on: 22nd January 2026

Debanking by Monzo ruined my credit

Monzo notified me that my account was being closed, and they couldn’t tell me why. I was being “debanked”. Nigel Farage got a lot of press coverage when this happened to him. I appealed to them for consideration, but was told the decision was final and they wouldn’t tell me why. They even suggested they were legally unable to tell me why. While this was true if I was actually committing financial crime, the fact that they reviewed and overturned the decision means that was incorrect. Unfortunately when they reviewed the decision they failed to communicate that to me. I then went through with changing banks, which was incredibly disruptive. It also meant the automatic payment of my Monzo loan was disrupted, leading to me falling into arrears while I dealt with their customer service and the ombudsman. I was eventually awarded £500 compensation. They’ve now dicked me about some more, so I might go back to the ombudsman. Take this as a warning - don’t trust your entire financial life to a faceless institution where you can never truly engage with someone. Reviewed on: 22nd January 2026

Just banking!

Just banking! No offers of credit, no fuss, no issues, perfect Reviewed on: 22nd January 2026

Everyone should have a monzo

Monzo is so useful I’ve been using monzo for about 3 years now. and it’s a very reliable trust worthy bank and has great features like the flex credit which you can take advantage of when you’re needing that little bit of extra money . They also provide emergency overdrafts and don’t limit you when they can see you need the funds Reviewed on: 22nd January 2026

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