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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19399 reviews)

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4.93

Based on 19,399 reviews, last reviewed 23rd Apr 2026

6038% increase in 5 star reviews

in the past 90 days

800% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo has been splendid! Monzo has been splendid! From notifying you of alerts, getting payments a day earlier, super efficient and user friendly Reviewed on: 23rd April 2026

Latest lowest rating:

1

They closed my account in 2024 without any clear rea... They closed my account in 2024 without any clear reason, even though I was actively using Monzo to receive my PIP payments. Honestly, it’s been a real... Read more Reviewed on: 14th April 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 (19399)

Live customer support

Good fintech with solid options. I like the Pots Reviewed on: 24th January 2020

Great app - appalling customer service

I absolutely love mt Monzo app which is so easy to use. However, when things go wrong I seriously question why I stay with this bank. The customer service team are intensely annoyingly smug and patronising. Further, I've had to waste time over and over again explaining what the issues are and feel I might as well be talking to children. Reviewed on: 24th January 2020

Always a winner

I use Monzo as my main bank account now, having first used it for when travelling abroad. I find the app so easy to use and I love the instant notification of money going in and out of the account, the budget pots, the extra pots for saving and how easy it is to share bills, send and receive money (all our grown up children and their partners now have Monzo too!). And if there’s ever a problem their instant chat service is wonderful! Problems resolved in no time at all. My husband and I have now opened a joint account as we are so impressed with the wide range of functions available to us. Reviewed on: 24th January 2020

Useful simple Banking

Everything is sorted into easy sections and there is an explanation to everything in the app, customer service is also excellent and the web chat people reply within minutes Reviewed on: 24th January 2020

Open and user focused

The thing I like about Monzo is how focused they are on their users and how open and honest they are about the way they develop their product and why they change their fees and how they are planning to do it. Reviewed on: 24th January 2020

The best

Simple to use, great UX with so many useful features build on the app - from loans, to savings you can have it all in one bank, with no fees associated. Also free EEA withdraws! Reviewed on: 24th January 2020

Great bank and security is number 1

Monzo seems to be a top class bank and the customer service is amazing I have rated them 5 stars every year I’ve been with them. Security is also very tight and okay the temporary account hold can be hard work but once your in contact with the customer service and provide details of whatever it was that flagged the account. I’ve only had this happen once when a large amount was paid in to my account. One little niggle is charge backs are hard work at times when paying for something which didn’t arrive and then having to go through the process of providing screen shots of the invoice etc and emails to the merchant. The chargebacks take a lot longer than a high street bank but of course Monzo do not have branches and all is done online. Current accounts, joint current accounts and investments are good. The savings pots are a good idea but interest rates aren’t huge but this is expanding a lot. Reviewed on: 24th January 2020

I am happy

Creative with good experience Hdhdjcij Reviewed on: 24th January 2020

Best overall bank

Customer service is efficient, great fx rates to spend abroad, very user friendly app, lots of saving options, best international transfer rates (in partnership with Transferwise) and to top it off super flashy bright coral colour debit card (looks amazing). It has all you need. Reviewed on: 24th January 2020

Feature-rich, clear, easy to use

By far the best banking experience I've had. The whole product is feature-rich (from the app to integrations, such as open APIs, Google Pay [COME ON, BARCLAYS], etc). Immediate transaction updates, actually useful reporting, simplicity in sending money to friends... Just brilliant. Reviewed on: 24th January 2020

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