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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)

Best bank

Having worked in the finance industry for a number of years - I hands down recommend Monzo to all of my customers and colleagues now. Reviewed on: 16th January 2020

Monzo

Monzo have been outstanding since swapping, the app is so helpful and makes banking more enjoyable and easier Reviewed on: 16th January 2020

Best bank ever! Never going back to traditional banks

I love Monzo, everything's so easy to use and the customer support is exceptional. It helps me manage my finances in a fun way. Reviewed on: 16th January 2020

The best bank ever

Who knew banking would ever be made fun! Saving is fun! Checking my account and balance is fun! Customer service is obviously the best in my opinion as well. Everything is SO easy and simple Reviewed on: 16th January 2020

Fantastic user experience

Incredible user experience, easy access to the terms and conditions, full transparency and great customer support 24/7 Reviewed on: 16th January 2020

Efficient service that works for me

I find that Monzo pay attention from the little details - ike dragging your dollar into the wallet for an early pay day - to the big decisions, like how easy, quick and efficient it was for me to find out what credit would be available to me via Monzo Loan. Reviewed on: 16th January 2020

The bank of the future

Monzo has done so much more than provide another place for people to put their money. They have transformed people's relationship to their finances. Managing money has never been so transparent and intuitive, both of which drive consumers to better plan for the future. I see myself as a loyal Monzo customer for a long time to come. Reviewed on: 16th January 2020

Monzo changed my life

With Monzo I finally can see how much I'm actually spending and be conscious in my day-to-day purchases instead of constantly guessing whether I'm in or above my budget. Before monzo I did do budgeting the old way - in a spreadsheet, but it was very time consuming and always after-the-fact end of month budgeting, it could not inform my day to day money decisions. With Monzo I'm actually saving effectively now. Also the easy access savings pots allow me to make money on my buffer monthly cash rather than let it just sit there. And they gave me a very easy and cheap loan to refinance my short term expensive debts and stop paying hundreds of pounds in interest where I could pay pennies. It's cheap, but not cheapest on the market, but also the transparency and ease of use for the loan totally justifies half-percent cost difference. Reviewed on: 16th January 2020

Convenience

Really convenient, especially when travelling abroad. Some useful tricks and clearly a product that's going to carry on developing. Reviewed on: 16th January 2020

Banking made simple

Took out all the hassle of dealing with a physical bank, giving more control over our spending. Reviewed on: 16th January 2020

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