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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)

Efficient and friendly

Gets the job done! However, wished it works better in Korea, had issues multiple times with this... but regardless, use as my current account! Reviewed on: 24th January 2020

Secret sauce to building an awesome bank for us (the people)

I really buy into the approach that Monzo are taking in building up their banking product, with a vision to be a financial hub for many needs - this is what I want. I have long been dismayed by the current run of the mill high street banks. I'm a massive champion of Monzo, always touting it to friend, family, people in shops, anyone! Watching events they hold you can see they are genuinely focused around their customers need, and have a long term vision into the future. I'm enjoying the ride! I know there are other companies that are also doing some fantastic work in this space, and I've tried many of them. There is just a level of detail in the way that Monzo consider an experience which trumps the rest. I feel this is being baked into the companies culture and DNA, and it's this that will spring them further forward in the years to come. Reviewed on: 24th January 2020

Easy to use

Easy to use, great for travel, works almost anywhere I've been Reviewed on: 24th January 2020

great

very good bank all round great service free no fees Reviewed on: 24th January 2020

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

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