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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)

A bank that works in the way you expect, and in ways you don't expect.

I was a fairly early adopter for Monzo, I got my account about 3 years ago now. I was a bit worried to put too much money into it at first, but it worked very well. Instant notifications on your phone, and fee free currency conversion were groundbreaking at the time. They got their FCC certification a while ago, so I've started using it as my main account; sure I have more money in my Nationwide accounts due to their interest rates and benefits, but it has replaced my Natwest account as my go to account for everyday transactions. The Monzo app, which is the most important component of Monzo (since it's your sole interaction with your account and money), is generally great. It's easy to use, everything is clear. I wish it would group bank accounts that you recieve/pay to by name automatically, but that's more or less it for what I'm wanting from the app. It's only been annoyingly buggy once, which was around mid last year, and it was fixed fairly quickly. Monzo is a bank that works like a 21st century bank should. Reviewed on: 19th January 2020

It's very safe online bank

I like it very much easy money transfer to one bank to an other bank Reviewed on: 19th January 2020

Futuristic Bank

Great bank with great customer support. Always ahead of the curve in providing great service. Although it might sometimes be behind in super cool ideas, they don't always implement ideas unless it is useful and flawless Reviewed on: 19th January 2020

Super overdraft

Super app, Super overdraft and good service Reviewed on: 19th January 2020

best bank I have ever had.

always helpful. pots are amazing so exactly know how much I spending and what for. Reviewed on: 19th January 2020

Just simply fab

Really easy to manage your money, with in app notifications as well as get paid early and salary sorter Reviewed on: 19th January 2020

Md

Very good customer service and also very flexible Reviewed on: 19th January 2020

Simple, forward thinking and innovative

Everything on Monzo is made with the customer in mind. Ease and simplicity at your fingertips, banking reimagined. From freezing your card to getting paid a day earlier everything is done to benefit us, the consumer. Reviewed on: 19th January 2020

Amazing

Amazing bank. Really easy to use and friendly staff when you need to talk to someone. Easy to set up and easy to manage money Reviewed on: 19th January 2020

Fantastic App Based Banking

I’m quite cynical when it comes to banks but I think Monzo have got it just about right. I’m a very happy customer and I’m happy to recommend them to friends and family. Easy to use, automatic saving, clean app interface all makes for a pleasant experience. Reviewed on: 19th January 2020

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