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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)

Simply the best

Amazingly easy to use, with the best customer service there is Reviewed on: 13th January 2020

Excellent Account

Interaction and nature of their account offering is excellent. Reviewed on: 13th January 2020

Fantastic bank

Can't think of a bank that has ticked all the boxes for me like Monzo has. Who needs branches when I have my phone and the ability to speak to someone through the app Reviewed on: 13th January 2020

Simple, easy banking

The most empathetic, transparent and forward thinking bank around Reviewed on: 13th January 2020

Excellent bank

Superb customer service, easy to use, managing to save easily and locked and hidden savings pots Reviewed on: 13th January 2020

Amazing

Got so many pots open, helping me save money Reviewed on: 13th January 2020

Best bank ever used!!!!

So long high street banks! Been with Monzo since the BETA stage and when the pre-paid card was your only card you could use. Had a lot of faith in Monzo ever since the beginning, and even when told there was no plans for business accounts I still continued to use Monzo for my personal account due to the simplicity, instant notifications, clear summary, API support, etc (list goes on). Obviously business accounts now exist and i am happily using one along side my current account and joint account with Monzo. Monzo's support has always been quick at responding (except recently as the Bank has had a large amount of new customers and more people are now using Monzo as their main bank, but i believe they've overcome this issue now or at least improved), you'll find the support are always happy to help. It would be nice for the support to have a priority option on the request (yes they have the urgent flag), but sometimes its nice to ask a not so important question that you don't mind waiting for a response for a few days or so (so low, medium, high type thing), asking a not so important question and getting a response in an hour or so makes me feel bad, as anyone with an urgent request may be waiting to be responded too. Monzo's built a great community around the bank, loads of threads / topics being discussed everyday and even the developer channel on Slack has grown so much theres always something going on, when you have a community building side projects, helping with designs and coming up with great ideas, thats when you know you have a valuable business. Keep up that amazing work! Reviewed on: 13th January 2020

Spending

Using Monzo for almost 4 years it has dramatically changed the way I spend money and I can keep control of budgets in different spending categories. Reviewed on: 13th January 2020

Modern bank

Fantastic app, great customer service. Constantly innovating and ethical. Tools to help manage spendature and more. Much better than any 'legacy' bank. Reviewed on: 13th January 2020

Ideal & user friendly bank

Quick and easy to open a new bank account. The app makes online transactions secure and allows you to quickly authorise payments. Reviewed on: 13th January 2020

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