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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (18190 reviews)

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4.93

Based on 18,190 reviews, last reviewed 27th Feb 2026

47500% increase in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

One stop platform! Has been smooth in its transition to a one stop bank. Platform simple to use and interactive enjoying the challenges with the visual effects. Reviewed on: 27th February 2026

Latest lowest rating:

1

Been banking for a while with numerous banks but ti... Been banking for a while with numerous banks but till date I only faced an issue with Monzo who froze my account. Lots of frills but lacks confidence ... Read more Reviewed on: 25th February 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

What is this award?

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 (18190)

Review of the Monzo, Current account:

The. Best. Overdraft/Loan. Experience. Ever!

Already a fan of Monzo the experience from the angle of managing my overdraft and its usage, right down to the clarity of how its Loans are presented and booked into - it’s just second to none. Nothing is pushed on you and the terms are clear and fair. Moreover as a Premium user I love how my credit score shows up in the app - with a monthly update reminder that highlights the causes for any drop or increase. This is excellent and a great awareness grower for those using credit. In fact it has motivated me to stay out of my OD. Hats off Monzo! Reviewed on: 14th June 2021

It’s helped me manage my money better

It’s helped me manage my money better Reviewed on: 21st February 2026

Great App .efficient

Great App . Efficient and transparent. Every transaction, you receive a notification which is ideal . Reviewed on: 21st February 2026

Convenient; safe; great cost performance

Convenient in nearly all kinds of ways and even it is cheaper than HBSC and Lloyds Monzo still very good at service and realy care about customers security Reviewed on: 21st February 2026

Very easy to set up and manage my current account.

Very easy to set up and manage my current account. Recent addition of being able to see all other accounts definitely helps me keep an eye on my transactions. Reviewed on: 21st February 2026

It just works

It just works and saves me from haveing to go miles to a physical bank. Reviewed on: 21st February 2026

User friendly interface and responsive team.

User friendly interface and responsive team. Reviewed on: 21st February 2026

Needed a financial company moving to Europe from the...

Needed a financial company moving to Europe from the USA and Monzo were fantastic Reviewed on: 21st February 2026

Great bank to be with,the perks are great good IR, t...

Great bank to be with,the perks are great good IR, the ability to flex and most recently the child's accounts, looking forward for the partnership and open doors to the property ladder. Well done Monzo! Reviewed on: 21st February 2026

Incredibly good; not perfect

I've had a really good experience with Monzo so far, using their current account for the last year or so. In my opinion, Monzo shines through a few things - their modern approach to banking, funny and informative social media, and ease of use. I say modern, because I don't know many other banks that have some, and definitely not all, of the following: Running Splits; Split the Bill; sending and receiving money through links/QR codes; relevant and useful cashbacks; no fees overseas; instant card freezing; undo payments; automatic sorting into pots; and more. Their social media team is brilliant - providing insights into new updates and what they're working on, but having fun with it - it feels human, which pure corporate-ness really lacks. Ease of use because they have an incredibly slick UI (their app looks and feels smooth to use), things are mostly where they should be, you have plenty of customisation to your homescreen in the app, and a lot of it just makes SENSE! However, it's not perfect. For the most part, getting in touch with customer service is APPALLING, and that's if you can even find the button to call them. Their 'we're not calling you' feature doesn't always work (and in my experience it generally hasn't), their customisation is a little annoying - and you can't get rid of everything and make it truly yours (their 'suggested actions' stays regardless). Their savings rates are truly below average, and some of their features are locked behind paywalls, which they constantly remind you about. That said, I do love Monzo. Switching was easy, once I did get through to customer service, they were very helpful, and I don't see any other bank being half as good as this one is. Reviewed on: 21st February 2026

Amazing!

Monzo it's not only a super stylish app but really convenient for splitting bills, requesting money and transfering really easily. I really love getting notifications when money comes in or goes out, it really helps me track my spending. Recommend! Reviewed on: 20th February 2026

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