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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (17674 reviews)

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4.92

Based on 17,674 reviews, last reviewed 9th Feb 2026

22050% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo is awesome Monzo is ace the benefits of having it and the challenges they offer with rewards is amazing Reviewed on: 9th February 2026

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

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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

What is this award?

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 (17674)

Bank of the future

Seems clear to me that Monzo and other banks like it will replace the current system in the next few years. In my opinion Monzo is the most refined of these challenger banks too. Reviewed on: 10th November 2018

Already easy experience to use monzo

I have never had a current account that was this easy to manage Reviewed on: 10th November 2018

Changed how I bank

Everything is customer experience focussed, fast responsive and allowing me to understand my money better. Reviewed on: 10th November 2018

How banks should be in this age

Monzo is still relatively new, and coming out with updates and features regularly. Due to this there Mary be some things that are not currently available that are a standard elsewhere (payM for example). However, they are transparent and open and it is a refreshing change to have a bank ask the community what they want, and then strive to make it happen where possible. I also think that it's thanks to these companies (Monzo, Sterling etc) that the banking industry is finally being dragged into the 21st century. Reviewed on: 10th November 2018

What a bank should be!

Constantly innovating and bringing new ideas to an archaic industry. Barclays are currently advertising that you can freeze/un-freeze your lost debit card, through their app... Monzo had this feature YEARS ago. It does everything a 'traditional' bank does, and more! Reviewed on: 10th November 2018

The new banking

A great product and great community. Makes banking interesting again (and modern). Reviewed on: 10th November 2018

Functions and convenience

I find mobile only banks to be more convenient in everyday use than conventional banks and having accounts an a few of those I find Monzo the most comfortable to use. Reviewed on: 10th November 2018

Amazing

Using Monzo has changed the way I manage my money, and how I understand banking. Reviewed on: 10th November 2018

Banking made modern

They make money management so much easier. Their summary feature, which tracks committed spend and remaining funds until next pay for day, makes things so simple. No more spreadsheets! If only they paid interest and took "pots" balance into account before applying overdraft charges (like Starling). Same goes for ATM fees abroad. Reviewed on: 10th November 2018

Best thing to happen to banking

Amazing. Great product, great transparency, changing the industry for the better. Reviewed on: 10th November 2018

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