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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

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4.85

Based on 19,422 reviews, last reviewed 21st Jun 2026

68% decrease in 5 star reviews

in the past 90 days

10% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo provides one of the best online experience. Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy.... Read more Reviewed on: 21st June 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 (19422)

Used it for years

Been using this for years now, very easy to use and sort your bills out into pots meaning I'm way more organised. Reviewed on: 13th April 2026

Best bank I have ever been with.

Best bank I have ever been with. They are responsive to chats and the app is amazing. Reviewed on: 13th April 2026

I feel as though my money is safe, very easy...

I feel as though my money is safe, very easy to use Reviewed on: 13th April 2026

Best bank I've used

Easy to manage money, I love the Pots and how easily accessible they are. Monzo offer competitive savings rates and as a extra member not having to worry about my details being cloned by using a one time card is very handy and gives that extra peice of mind when making a purchase online. Reviewed on: 13th April 2026

Monzoooo

I’ve been looking into Monzo and honestly, it’s one of the best digital banking experiences out there. Here is why I think it’s so reliable: Trust & Security: Monzo is a fully licensed UK bank, meaning your money is protected by the FSCS (up to £85,000). It’s as serious and safe as any traditional bank, but much more modern. The App Experience: The interface is very 'soft' and intuitive. It’s not cluttered or complicated; you can find everything you need in seconds. It makes managing money feel effortless. Powerful Features: You can do so much within the app: Pots: Easily set aside money for savings or bills so you don't overspend. Instant Alerts: You get a notification the millisecond a transaction happens. Card Control: You can freeze and unfreeze your card instantly with one tap if you misplaced it. Spending Analytics: It automatically tracks where your money goes (food, shopping, transport). Perfect for Travel: There are no hidden fees for spending abroad, which makes it a top choice for holidays. Reviewed on: 13th April 2026

I'm on the max perks with family and love it

I'm on the max perks and its absolutely brilliant for what I get. Breakdown cover, phone cover, travel insurance plus extra perks. Service is very good and I've had no issues with monzo especially when I can use my card abroad without any charges. Customer service is A class always solve any issues that I've had. Reviewed on: 13th April 2026

helps you save invest it’s absolutely amzi g no1

Monzo bank is absolutely amazing helps you save invest what more do you want with a British bank and its sponsors evrything no1 bank Reviewed on: 13th April 2026

Couldn’t ask for better.

Make everything as simple as possible always have really good deals on MUCH better than my last bank (Lloyds). Reviewed on: 13th April 2026

Love using the app

Love using the app. It feels I can personalise my baking and my data insights there Reviewed on: 13th April 2026

I applied for an account got rejected with no reason...

I applied for an account got rejected with no reason given I have no idea what reason it could be as I have no credit history was just applying for a normal current account when I reached out they asked for my details and then told me that I can't reapply and they will not give me a reason. This was very unhelpful when I've only heard good things about Monzo. Reviewed on: 13th April 2026

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