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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)

Very Good Bank for Modern, Efficient and Simple Banking

Love the app only experience, much slicker than any regular bank. Interest rates are excellent given the current state of play. And the support is pretty good given that they have longer response times as they have gotten busier. Reviewed on: 12th January 2020

What Banks Need to be Afraid of

Monzo amazed me back when I signed up for the beta in 2016, and they still amaze me now. After dealing with a few awful banks that made half-assed apps to tick corporate boxes, Monzo has exceeded expectations of what a bank app can do. They are constantly developing, listening to their users and taking on feedback. Their app and account is so simple and intuitive, yet can do so much more than any other bank I've used. I'm so happy with my Monzo current account that I try to convince all my friends and family to get it (which can get kind of annoying for them but I'm just trying to make their lives easier). I've even chosen to write my essay for university on how Monzo is challenging legacy banks with their push for transparency and friendly communication. Monzo deserves every accolade they receive. Reviewed on: 12th January 2020

It makes banking easy

I feel like I have so much visibility and control over my money when using Monzo, the idea of going back to a legacy bank is unthinkable. Reviewed on: 12th January 2020

Fantastic, innovative bank

Monzo have transformed my finances. With their instant notifications, budgeting tools and savings pots I know exactly how much money I have to spend, where it goes and I can squirrel away unspent money into pots. Reviewed on: 12th January 2020

Class bank everything is instant

With Monzo there is no waiting around no hidden fees money accessible at all times. Ten times better than any normal bank account and probably better than starling as well. Reviewed on: 12th January 2020

Leading the way

Already recommended Monzo to my friends and family and a number of them have converted to using Monzo as their main account. Monzo offer wk many useful and cool features that have made my life easier and have helped to improve control of my finances Reviewed on: 12th January 2020

Truly modern banking that just works

Monzo gives me complete visibility and control without any hassle, in a modern app that’s a pleasure to use. Reviewed on: 12th January 2020

The greatest bank and app

Trust me this is the best bank and best app futures I ever add give it a try you will never regret you have my word. Reviewed on: 12th January 2020

Amazing

Best in class Banking! I will never bank with anyone else ever again! Reviewed on: 11th January 2020

Forward thinking bank

Fresh forward thinking bank with great ideas and saving tools Reviewed on: 11th January 2020

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