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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)

Market leader in technology

This bank has created a business built for its customers, something the other big banks should have done a long time ago and now its caught up on them! People are realising change. I moved to monzo after using their pre paid option and I have recommended monzo to my friends and family. Keep up the amazing work Monzo. You own this! Reviewed on: 23rd January 2020

Changed my finances and my views on banks

Monzo changed the way i was able to manage my money with quick and instant transactions including budgeting pots. not only this it completely changed my view on banks. No more having to go to a branch (which might be close) during business hours and waiting in queues. Live chatting to humans is instant and they are extremely efficient. Even if a bank offers a cash incentive to switch I wont ever do it. The data they provide is invaluable Reviewed on: 23rd January 2020

Excellent

Monzo is like windows 10 and other bank is like windows xp -95 Reviewed on: 23rd January 2020

Amazing Customer Service and quality overall

The experience I have It's amazing, the App Quality and efficient is amazing. Reviewed on: 22nd January 2020

Great service

Are just great, do everything they say they will Reviewed on: 22nd January 2020

What a find

I've been able to learn about my spending habits and put away more money in the past few months only thanks to Monzo's banking. I wish my Spanish family could have a Monzo account too! Reviewed on: 22nd January 2020

How it should be!

I have been with Monzo for almost 4yrs and recently went 'full Monzo' last year. The experience I have had with Monzo has been incredibly. Their constant innovation has forced the sleeping giants to finally wake up and play catch. Everything I want to do is 10x times easier than any other bank I have used from downloading statements to transferring money. I highly recommend Monzo! Reviewed on: 22nd January 2020

By far the easiest, smoothest and best bank around

Sign-up process is extremely quick and smooth, absolutely no issues with the process or the experience at all. You only have to look at other larger banks and corporations copying Monzo's features to realise that they really know what they are doing. Cannot fault the company or customer experience at all. Congrats to the Monzo team! Reviewed on: 22nd January 2020

Easy, helpful and accessible

Support is always available on live chat, if not instantly, they respond very quickly and are extremely helpful. Overdraft fees are easy to understand and low. I can manage my finances much better knowing what’s due to come out the following day. The “get paid early” feature is a godsend! Especially when payments are due Monday and you can get them Friday for the weekend. I can freeze and defrost my card instantly, access my card details if I haven’t got my purse on me to make an online order, create savings pots very easily, and split bills. It’s amazing. Reviewed on: 22nd January 2020

The only bank I know that has made managing finances enjoyable

Nobody really enjoys spending time moving numbers around their accounts and making sure they stick to a budget. But having complete access to your account through an app, with great personal notifications has made this process on Monzo so easy it’s actually enjoyable! Reviewed on: 22nd January 2020

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