Smart Money People Logo
Go to business site
Share this page
Link copied

Monzo: Current account reviews

View other Monzo products
4.92
Based on 17,587 reviews, last reviewed 9th Feb 2026
17700% increase in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Best performer Iam using Monzo since 5 years it was great experience Reviewed on: 9th February 2026
Boda srikanth's avatar
Boda srikanth

Latest lowest rating:

1

Very bad service full stop . Very bad service full stop . To the point that relying on high street lenders have more features and service that people with disabilities should cons... Read more Reviewed on: 23rd January 2026
milan thakur's avatar
milan thakur
Read all reviews Write a review

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.

Review Monzo: Current account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Monzo Current account reviews (17587)

Flawless modern banking

5
Incredibly easy to use for day to day banking, no uneccesary complexities (I.e. changing address when moving can be done in a few taps, no branch visits). Constant innovation and updates with cool features like bill splitting and IFTTT support for extensions. Reviewed on: 6th November 2018
Cameron's avatar
Cameron

Innovative with great security and user experience

5
Monzo provides a fantastic user experience for something as monotonous as banking, teamed with their fee-free international payments I have no hesitations recommending them to anyone! Reviewed on: 6th November 2018
Nick's avatar
Nick

Changed how I use money

5
Instant notifications telling me how I'm doing with money, instantly freezing a card if I loose it, unfreezing if I find it and fast card delivery for when I can't. An overdraft I can toggle on and off quickly, with a free buffer incase something goes wrong. Simple, efficent and correct, no more waiting 3 days for my credit card to update and delightful notifications when I get paid. Reviewed on: 6th November 2018
Luke Browne's avatar
Luke Browne

Easy

5
So easy and no international transaction fees! Reviewed on: 5th November 2018
missmolly91's avatar
missmolly91

Simply awesome

5
A friend of mine advised me about Monzo so I signed up for an account on the Friday night at 23:30. Within 72 hours I had been accepted, ID all sorted & the card was behind the door Tuesday afternoon. As for how the account performs, that's 10 out of 10. Every transaction pops up on my smartphone as soon as I've swiped the card / keyed in the PIN. Payment into the account by my customers is instant. So far, & six months in, not one issue! The big high street banks are failing people so I can only see Monzo going from strength to strength. :-) Reviewed on: 5th November 2018
Will's avatar
Will

Excellent Bank and Customer Service

5
I love this bank. So many rich features that you will not find in any high street bank. Their customer service is outstanding after I had an issue with my salary not being paid into my account correctly, whilst this was frustrating and caused concern, their customer service helped to deal with the issue and resolve my complaint. Loving how you can add saving pits and schedule payments into these daily or weekly and set yourself goals, maybe for those big yearly expenses or holiday or car. Real time notification as money is paid into your account or a debit is made, with a host of security features that you can enable yourself depending on your own preference. This bank is leading the way and will leave the others standing. Wished I started using it as my main bank account sooner. Reviewed on: 26th October 2018
Neil Bradbury's avatar
Neil Bradbury

Monzo - refer a friend - £5

5
I really recommend Monzo. I think it’s the best current account and use it for all my banking now. If you are thinking of joining , please use my referral Link. https://monzo.com/referral?code=ukow78k Using this link we both will get £5. Thank you in advance for using my link Reviewed on: 5th September 2018
Sammy May's avatar
Sammy May

Excellent app and superb customer service!

5
I started using monzo as I was traveling in Thailand and the app made it so easy to keep track of my money! It allows you so separate your funds so you can't overspend but you still have immediate access to those funds as soon as they're needed. The support staff and friendly and knowledgeable! Reviewed on: 2nd September 2018
Declan's avatar
Declan

It's changed my relationship with my money entirely

5
I know feel I have a connection with my money whereas before I never used to spend much time on my banking app as it felt boring, unengaging & like there was a digital barrier between myself and my money. Now I feel I have complete freedom over my money, how I use it or store it, how I engage with it and my understanding around a variety of topics thanks to the help tab in-app which I never used to get with high-street banks. Their customer service is second to none, it is absolutely blazing a trail for how banking should be done by focusing on those that matter, the people. Reviewed on: 24th August 2018
SL's avatar
SL

Absolute shit

1
Wouldn't let me sign up online using methods I've used before to set up accounts online. Waste of time, don't bother, better off hiding your cash under a wankstained mattress Reviewed on: 23rd August 2018
Cuntybollox 's avatar
Cuntybollox

Review Monzo: Current account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill