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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,432 reviews, last reviewed 30th Sep 2026
96% decrease in 5 star reviews
in the past 90 days
33% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
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0%
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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

Love Monzo, but the Max phone insurance is a let down I’ve used Monzo as my main bank for pretty much the entire time I’ve lived in the UK and have always had a really positive experience with them. I lik... Read more Reviewed on: 30th September 2026
Sebastian Orbe's avatar
Sebastian Orbe
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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 (19432)

Best bank all around

5
Super friendly interface for day to day banking needs Great features, tips, ways of saving and budgeting Clear fees, don't entice me to borrow money or get into debt Reviewed on: 13th April 2021
Nada's avatar
Nada

Monzo is a great modern bank

5
Monzo is a great bank, fit for the modern age. The bank's interface and real-time notifications make it really easy for me and give me security knowing where my money goes. Rating - I rated Monzo 5 Stars because while I have been using it, there have been no issues whatsoever for me. There are features on the bank I prefer far more than other banks. These features are: - Pay Early (Allows me to collect my payment a few days in advance) - Real-Time Notification (Let's me know how much I've spent, especially in a total of the day, gives me updates when my credit score is ready and informs me when a payment is rejected so I can resolve it in the fastest possible way). - Payments (I can see my Bacs payments before they are due, letting me know where they come from, how much I'll receive and when I can take it out). - Customer Service (Customer Service has always been beneficial. When I recognised an unknown payment, want to dispute an incorrect payment or just giving me help with general issues. The support time for a lot of issues is swift. The longest I have waited for support is 2 days, but this is mainly for low-risk issues). Recommending Bank Rating - I gave it an 8/10 for a reason. Not all banks are perfect, and the point of reviews is, so banks like Monzo learn from them and improve or add suggested ideas from their users. My cousin recently tried twice to open a Monzo bank. When he had a valid ID, he was rejected for having little or no credit history within the United Kingdom. When he had some credit history, he was still rejected. This may have been due to the ID is no longer valid but was valid when we tried the first time. I feel like Monzo only allows users who have any credit history to join their bank, and I won't argue about it because most banks do the same thing. Because they are online and not high-street, this is the only way to confirm a real person identity and past. Another issue is Monzo freezing and closing accounts randomly. No one I know has ever faced this issue, but I always worry this may happen despite my best to follow all the rules. I feel like Monzo needs to consider that when people turn 16, they are just starting to build credit, but only if they want to. I would suggest banks like Monzo allow the person to securely post things like their Passport to confirm they are who they say they are unless they can prove that the ID is real online. I feel Monzo should add the user's sort code and account number on the card so they don't always have to rely on the app. Finally, I feel as if they shouldn't just accept Government-Issued ID. Not everyone is allowed to have a driving license, Passport or both. Not many people want to own a gun, so they don't have a license for a gun license. I feel they should accept the following ID Documents below: - Passport - Full or Provisional Driving License - CitizenCard (PASS) - YoungScot Card (PASS) - Yoti (Digital ID fit for both physical and digital age) That's is my review on Monzo. What do I think of it? I think it's a really good bank, but if they can take into account a couple or all of the things I've said they will be an even better and more trust worthy bank. - Lewis Moore Reviewed on: 13th April 2021
Lewis Moore's avatar
Lewis Moore

The best bank for the 21st century

5
Every other analogue, stone age bank is blown out of the water by Monzo. Reviewed on: 13th April 2021
James Smith's avatar
James Smith

Really helpful all

5
App helps to organise finance with pi charts and pots Reviewed on: 12th April 2021
smartmoneypeople's avatar
smartmoneypeople

The best bank!

5
The easiest and most efficient way to keep track on my funds and expenditure. Highly recommended! Reviewed on: 12th April 2021
Anna's avatar
Anna

Great Bank

5
Monzo are a great bank and I would recommend them. I have a personal, business and joint account. Reviewed on: 12th April 2021
Thomas Fletcher's avatar
Thomas Fletcher

A smart bank

5
I love the smart functionalities of their banking app, like sorting out my salary so I don’t spend money that I should keep away for my bills. Also, if you get paid by BACS at work, then Monzo gives you the money a day early, that’s something all banks could do but they just choose not to. I simply love their app and its ease of use. Reviewed on: 12th April 2021
Paolo's avatar
Paolo

Customer service and easy small loans

5
Monzo have the most accessible and effective customer service. User interface on app is second to none I could stare at those screens all day. Great money management facilities and also efficient overseas. They should take over the UK! Reviewed on: 12th April 2021
Richard Davies's avatar
Richard Davies

Easy, has helped me save and I spend so much better now

5
Splitting bills and generally understanding my money is a million times easier now - thanks Monzo! Reviewed on: 12th April 2021
Sarah Skantelbury's avatar
Sarah Skantelbury

Excellent customer service

5
Never had a problem with Monzo, very efficient and innovative Reviewed on: 12th April 2021
Zeeshan's avatar
Zeeshan

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