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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%
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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 app for managing money

5
I have had a Monzo account for a while now - I was a reasonably early adopter from when it was a pre-paid Mastercard. Being completely honest I was initially attracted by the fee-free transactions and withdrawals, using it mainly for holidays. I have been a customer of TSB for more than 40 years and I was pleased to hear about the new platform they were going to launch - a fresh start as it were, away from legacy banking systems. But then it all went wrong, and I like many watched as they frantically tried to recover from a failed migration. I stuck with them afterwards, but the final straw came when I used my local branch for the first time in three years to deposit around £90 of loose change which I had counted and bagged. After queuing for 30 minutes to be served I was told the limit was 10 bags a day (I had 13) and regardless of how many accounts I had with them it was a daily limit per customer. I was telling a friend, and he told me that his bank (can't remember which of the big high street banks it was) has a machine similar to the coin star you get in supermarkets which counted his money, deposited it in his account, and didn't charge a fee. I compared than to my experience with TSB and enough was enough. I use less and less cash so making the move to a digital bank made sense. I reviewed the offerings from Starling and Revolut and eventually decided to initiate the current account switching service and move from TSB to Monzo. The app is so easy to use, the pots are great for saving or keeping money aside for a future payment. I have joined the queue for their new business accounts. For me, the one product I would like them to offer is a credit card to give me better protection (Section 75?) for purchases. I haven't had to deposit a cheque in years, but I believe Monzo have an address to post cheques to which for me is better than being charged to pay it in at a post office. I would highly recommend Monzo. Reviewed on: 3rd February 2020
Andy Ritchie's avatar
Andy Ritchie

Great

5
Made me understand my money so much better and allowed to save money I would’ve never saved before Reviewed on: 3rd February 2020
Daniel Bonio's avatar
Daniel Bonio

All the essentials done brilliantly

5
Great features, top customer service, amazing app and an amazing community of people genuinely invested in making this the best bank in the world. Reviewed on: 3rd February 2020
Oliver's avatar
Oliver

Honest & Giving for the EU

5
Just an up front and honest bank. Would highly recommend! Reviewed on: 3rd February 2020
Andy's avatar
Andy

The future

5
What a bank. All so simple and freedom to bank Reviewed on: 3rd February 2020
sutty1714's avatar
sutty1714

Groundbreaking

4
Easy to use, great platform, encourages saving money Reviewed on: 3rd February 2020
Angelina Cariolou's avatar
Angelina Cariolou

Great provider

5
Great provider, from the international payments to budgetary appendages. Reviewed on: 3rd February 2020
John's avatar
John

Concise banking with limited clutter

5
Monzo allows you to quickly check-in with your bank account and presents only the important information. It makes keeping up to date a breeze and definitely encourages me to keep on top of finances. Reviewed on: 3rd February 2020
A.B's avatar
A.B

Modern banking made simple

5
Bank that is tailored to the ordinary man. Sick and tired of being ripped off by Barclays and co. Reviewed on: 3rd February 2020
HonestJohn's avatar
HonestJohn

Just better than the traditional banks and their apps.

5
Monzo has revolutionised my money management, and brought a greater sense of control and visibility. Reviewed on: 3rd February 2020
james_0807's avatar
james_0807

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