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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

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4.85

Based on 19,422 reviews, last reviewed 21st Jun 2026

68% decrease in 5 star reviews

in the past 90 days

10% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo provides one of the best online experience. Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy.... Read more Reviewed on: 21st June 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 (19422)

Blocked account as with many others

I was using this place fine and was actually enjoying my experience until one day i woke up to a message saying my account was frozen for no absolute reason. I tried to ask why but was never ever replied to. I only used the account mainly for savings and transferring to family because my traditional bank’s app was not letting me log in simply. But my issue is that even after I was frozen out I couldn’t access any funds at all and it also blocked my mother and girlfriend’s accounts which I had recommended them to get. Very poor customer experience Reviewed on: 25th January 2020

Great app.,

Fully featured current account without hard sell. Low cost with great app. Reviewed on: 25th January 2020

Great account with great features

I love having an overview of all my transactions including failed and attempted ones. The predictions and direct debit previews are also great and allow me to plan in advance where my funds go. I enjoy using pots as an easy way to hold money for when I need it later without the hassle of transferring between accounts. Reviewed on: 25th January 2020

Amazing

Given me a whole new outlook on money, I now don’t have to worry about it and been able to automate my outgoings and incomings. Plus I get paid a day early! Reviewed on: 25th January 2020

Fantastic

Loving it for the hassle free and convenience it affords while traveling abroad. Reviewed on: 25th January 2020

Monzo has changed my (banking) life

I used to dream of ways that my bank account could help me manage my money. Sections of my account that were closed off to spending so my bills were taken care of and useful feedback to prevent me from going over my limits being at the top of them. Monzo does this and so then adds in so much other useful stuff like splitting bills, easily sending and receiving payments, and even a way to get paid early! Reviewed on: 24th January 2020

Everything you will need!

Monzo is a bank very well focused around its customers. It has helped me budget my money since I have entered my IVA where I have become much more financially stable. All of the added extras such as IFTTT support makes saving much easier being able to punish yourself for takeaways etc. Monzo has a lot more services in the works and the only bank I can truly say I trust! Reviewed on: 24th January 2020

Easy banking!

Monzo offer a good current account. The overdraft rate could be lower but the app is good. I like to save and round ups is great. Can you do a kids account? Reviewed on: 24th January 2020

Banking for the 2020s (and beyond!)

Oh Monzo, you're so fine, you’re so fine you blow my mind! Go Monzo! Monzo has truly been a breath of fresh air, and dramatic paradigm shift in the world of personal banking. In a few short years they’ve somehow embarrassed the heavyweights, many of whom have had an entire century’s lead in the market and through it billions of pounds at their disposal to fight with, and also shown up every fellow startup competitor in the ‘digital banking’ space who've simply not been able to keep up... despite their best efforts and a lorry load of VC capital burnt through. I could list all the cool features they’ve rolled out in the past year, or how intuitive the mobile app is, or talk about my positive customer service experiences... but ultimately the concept is an easy sell: Monzo provide reliable, fair, and trustworthy services for your personal banking needs (…no other bank comes close!) While the ‘traditional’ banks were busy repeatedly re-skinning their mobile applications in an effort to appear to be innovating (despite each iteration having the exact same feature set as the previous version!), Monzo were busy building a bank for today’s world — easy to use, packed with the features that actually help you manage your money day-to-day, and most importantly of all… a bank which has their customers' best interests at heart. If they make a mistake or something goes wrong, they own up to it and make it right. Monzo has grown primarily via word of mouth. There have been no real gimmicks other than the famous 'Hot Coral' coloured card (which never fails to get a comment from shopkeepers!) Folk shout about Monzo because they love how it's allowing them to keep better track of their money and want to share that experience with their friends and family. They certainly deserve all the success they’re receiving, and there’s no doubt in my mind they’re going to continue to kill it in the decade ahead! …go, go, go Monzo! Reviewed on: 24th January 2020

better than starling

best online bank i have been with, so easy to use, more control over money and friendly. Reviewed on: 24th January 2020

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