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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)

Account opened instantly, card in the mail after 2 days, great UI

Account opened instantly, card in the mail after 2 days, great UI Reviewed on: 11th January 2020

Great banking app

Great experience with Monzo which made managing my personal finances easier and smarter/less time consuming Reviewed on: 11th January 2020

Excellent, straight forward banking app

I have worked for one of the big banks in the past, and I have held accounts with many of them. I no longer work in the industry, but a few years ago I picked up Monzo for the ease of use abroad. I never expected to use it full-time back then, but it has come on leaps and bounds, and the app is a fantastic experiance. Reviewed on: 11th January 2020

What a great bank

It just works. It's so easy to manage money now, I don't know what I did without it. I love not having to go into branch for anything Reviewed on: 11th January 2020

Don't travel without it!

Travelling is SO much easier with Monzo. It's the only thing I use when I travel. Simple to use and saves me a lot of money. I recommend it to all my friends and family! Reviewed on: 11th January 2020

All in one

Just like the title says. App has a clean, fun, and understandable layout, there’s a lot of transparency, being able to see the categories of your spending is fantastic as well as a monthly summary, saving pots are so nice to use, being able to see your direct debit going out etc helps a lot. And best of all, the community/staff are some of the best you’ll ever interact with :) Reviewed on: 11th January 2020

New Generation of Banking

Monzo has been able to change the face of banking, making it appealing to younger generations and making it more accessible than ever. Reviewed on: 11th January 2020

Poor customer service

App works well but I have found the customer service to be slow and unhelpful. Constant referrals to 'specialists', nothing gets done, poor attitude towards vulnerable customers Reviewed on: 11th January 2020

Amazing

Monzo has help me budget my money l, seperate what I need for bills, transport etc and keep the rest in my main balance. I could not do this with nationwide and they are very seamless. I enjoy getting paid a day early and it's the best feeling Reviewed on: 11th January 2020

Light and easy budget-focused banking

Monzo banking feels like I'm banking in the future. It's the important bits, streamlined, with all the faff taken out of the way. No constant pushes to use other products, no heavy to navigate interfaces. The quality and ease of the service offerings are high and always improving, and I respect that. I'd totally go to Monzo first for a loan, or sign up for a credit card if they offered one. Hell, I'd even say it's fun to use. Monzo, thank you for being a human bank. Reviewed on: 11th January 2020

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