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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% 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%
See only 1 star reviews
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

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
DreadHead87's avatar
DreadHead87
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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 (19431)

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

5
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
Sam Leicester's avatar
Sam Leicester

Easy to use

5
Easy to use, great for travel, works almost anywhere I've been Reviewed on: 24th January 2020
Will terry's avatar
Will terry

great

5
very good bank all round great service free no fees Reviewed on: 24th January 2020
Karim Hetherington's avatar
Karim Hetherington

Live customer support

4
Good fintech with solid options. I like the Pots Reviewed on: 24th January 2020
Edgehog's avatar
Edgehog

Great app - appalling customer service

4
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
Tommy Andrews's avatar
Tommy Andrews

Always a winner

5
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
Rachel Nightingale's avatar
Rachel Nightingale

Useful simple Banking

5
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
Alasdair Macdonald's avatar
Alasdair Macdonald

Open and user focused

5
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
Michael Craddock's avatar
Michael Craddock

The best

5
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
cparacana's avatar
cparacana

Great bank and security is number 1

5
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
Aaron Marshall's avatar
Aaron Marshall

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