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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19406 reviews)

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4.85

Based on 19,406 reviews, last reviewed 19th May 2026

77% increase in 5 star reviews

in the past 90 days

220% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

They have such a variety of ways to help you save, a... They have such a variety of ways to help you save, and cashback offers. It's a fun, innovative bank that will always be used as my main account, as it... Read more Reviewed on: 19th May 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 (19406)

Handy & uncomplicated

The app is handy to use, the card practically glows in the dark, and I've encountered no issues since joining a couple years back. I currently use Monzo as a spending card/account, as i am keeping my traditional back account open to refine an existing credit score...and i am not sure that Monzo works with Clearscore etc at this stage. Reviewed on: 27th January 2020

Great customer focused product

I feel like Monzo was built with me in mind. Their customer service is outstanding and their user experience is clean and efficient and pleasant to use. Reviewed on: 27th January 2020

Such an easy experience from the start.

Having lived in Spain for many years, I wanted to return to the UK and set up a bank account in the quickest time possible. I chose Monzo as just an interim bank until I could find a high street bank. I was so blown away by the forward thinking of this bank and the simplicity. I've had a more satisfying banking experience from this bank in 7 months than 10 years with my previous high street bank. The overall experience convinced me to make Monzo my main bank account. Reviewed on: 27th January 2020

Cool start up turning corporate

Good UI and leading the charge in start up banking. Expecting more senior hires as the start up continues to mature and begins to offer its existing customer bank more traditional financial products which will in turn stabilise profits. Reviewed on: 27th January 2020

Game Changer

For me Monzo has changed my financial life, pots allow me to separate funds, set saving goals and automated savings challenges with IFTTT means I have automated savings pots to cover unexpected expenses. Reviewed on: 27th January 2020

Amazing

A regular bank wouldn’t dream of offering you your wages a day early. Monzo do! It makes your life so much more easier. Reviewed on: 27th January 2020

Refreshing banking

Monzo has revolutionised the way I manage my money. From pots for organising money to the best foreign exchange rates when using the card abroad. For me Monzo is the stick by which all other banks are measured. Reviewed on: 27th January 2020

What a bank should be in 2020

Has so many features that are just expected from a bank that are used everyday Reviewed on: 27th January 2020

Couldn't ask for more

Monzo is great, I managed to open my account when any other bank wouldn't let me because I had no proof of address. I can get my salary earlier than all my colleagues, pots are really easy to manage and there's also savings pots. Also, they recently added overdraft. Reviewed on: 27th January 2020

Great service

Use this for all my spending and love that can set up different pots and even round up money so take the spare change to be saved for a rainy day Reviewed on: 27th January 2020

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