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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)

Simplified the banking experience

Makes everything simple and easy to manage. Being able to budget is great and so easy, for me as someone who naturally finds it difficult. Reviewed on: 16th January 2020

I loveeee it!

I have never thought of a bank as something I could feel so emotional about but here it is - I love Monzo! Everything from the community driven development, the pink card and the immediate feedback when I pay. Using Monzo has changed the way I manage my money and has definitely changed the way I feel about finance. Reviewed on: 16th January 2020

Fab!

The only bank that i feel like is actually on our side. Helped me work out a budget and get out of debt. Their customer service is unparalleled too. Reviewed on: 16th January 2020

Bank online bank account out there

Love Monzo! App set up is clean and functions very quickly. Move over First Direct, there’s a new brand in town! Reviewed on: 16th January 2020

Beats the high street rubbish

After years of bad experience with Nat west, Barcleys and more. Monzo has been a breath of fresh air. No long queuing waiting for one cashier! Monzo’s app is instant. Love them Reviewed on: 16th January 2020

Superb & Exciting.

Very clear with their goals, I feel encouraged to save and to be overall more organised with my finances and it's thanks to Monzo for that. There's something particularly exciting about Monzo. The brand, layout, service and the way they go about being so open about what they are trying to achieve. Reviewed on: 16th January 2020

Easiest and most trustworthy bank

I was with Royal Bank of Scotland, their app never told me if I was overdrawn when I was a student so I was stung by those charges and I felt that I couldn't trust to tell me what's what about banking, where I should put my money and monitor my savings. Monzo I trust, they are upfront about the charges and my spending so now I have a career its where I will put my money. Reviewed on: 16th January 2020

Best bank

I have nothing bad to say about Monzo. I actively recommend to everyone I know. Reviewed on: 16th January 2020

Great account and great app

Good back account with great features and mobile application. Control all you finances with it. Reviewed on: 16th January 2020

Best features and customer support, and rapid at applying constructive feedback.

I have followed this bank from infancy. When the bank was young and couldn't offer everything, they focused on critical things people wanted that even main line banks still didn't have. Fast forward to now and their features are paving the way of legacy banks trying to keep up with what people needed and can now achieve with monzo. The customer service is on point. Very friendly, extremely reactive and focus more on being helpful to the customer than forcing customers through painful and frustrating legal processes that show a bank clearly and in apologetically cares more about its own benefit than the customer. What's best is that Monzo actively want bad feedback to see what to focus on and improve. Simply put they are a bank that want to listen to their customer and want to make success and money by giving customers as much value as possible. Reviewed on: 16th January 2020

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