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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)

How internet banking should be in 2020

Everything about a Monzo account is simple. Switch Guarantee ensures everything moves over properly to your new account. Customer service is almost instant. New features & updates are plentiful. Monzo is a front-runner in the new internet banking age & definitely takes the hassle out of banking for me and millions of other customers. Reviewed on: 19th January 2020

Great product with helpful folks running the show!

I've been with Monzo since the Beta stage of testing their product and it's been a great product over the years. they've made many improvements and the current product is second to none. Especially as many of my friends use it! Reviewed on: 19th January 2020

Great bank, amazing customer service

I’ve been with Monzo since the prepaid days and have to say that I love it - my wife and I have joint accounts too and the instant feedback and insight on our personal and joint finances has been amazing Reviewed on: 19th January 2020

Best challenger bank

I have always been happy with Monzo and they have amazing customer service. Reviewed on: 18th January 2020

Simple, Transparent, Efficient

Immediate alerts when money is spent, categorised spending and simple access to 3rd-party savings accounts (so pretty good rates thanks to making them compete). Lightyears ahead of the old banks. Reviewed on: 18th January 2020

Brilliant fantastic

This is a great bank,it does so much,helps with where your money goes ie bills,food,ect,its a app on your phone and its far better then a lot of other banks i would give this 100 stars if i could Reviewed on: 18th January 2020

More Tech than Bank

Although I have no problem with Monzo, and I wish them every success, I feel they focus more on the tech and community aspects of their business than they do on being a bank. This would not be right for everyone, hence the lower recommendation score, but I still wish them every success Reviewed on: 18th January 2020

Poor product

They keep chaning their policies and taking away things that made them good at the beginning. They are also trying their had to push a horrible Plus version of their current account and they are planning to take away essential features like customer service. Be wary if you have cash as you will be charged an extra £1 for deposit. Stay away from Monzo and use any other bank, even old fashioned banks are better. Reviewed on: 18th January 2020

The best bank

By far. Still not perfect. But there is no better Reviewed on: 18th January 2020

Revolutionised budgeting for me

Using Monzo has fundamentally changed how I interact with money. I am so much more in control of my spending and haven’t used my overdraft at all since making the switch. The instant transaction notifications have also saved me from potential fraud this week and after I froze my card and reported it I got a new card the very next day. Absolute hero’s. Reviewed on: 18th January 2020

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