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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (18205 reviews)

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4.93

Based on 18,205 reviews, last reviewed 1st Mar 2026

48250% 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

Love Monzo. Love Monzo. Helps me track my expenditure, put money aside in different savings pots through different challenges as well as so much flexibility in po... Read more Reviewed on: 1st March 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

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 (18205)

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

I’ve had an amazing experience with Monzo very happy

I’ve had an amazing experience with Monzo very happy Reviewed on: 21st February 2026

Monzo has been great banking service I have ever used!

Monzo has been great banking service I have ever used! With my current account it’s been great experience and flexibility. Reviewed on: 21st February 2026

I choose Monzo to manage every day spending as the a...

I choose Monzo to manage every day spending as the ability to create pots and categorise are so much better than my HSBC account. I have since started using teh auto-investing features. The cashback/rewards could be better (it's a bit random and usually it's vendors I don't use/buy from) so maybe they could work on this feature a bit more. I'd rather have lower cashback more regularly or for my offers to match what I actually buy Reviewed on: 21st February 2026

Brilliant

Great account with good features and lots of saving incentives Reviewed on: 21st February 2026

Excellent experience, best bank very friendly interf...

Excellent experience, best bank very friendly interface Reviewed on: 21st February 2026

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

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