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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)

Monzo: Transparent and active participation in managing my finances

Monzo has revolutionised how I maintain awareness and easily manage my finances on a day-to-day basis. Before, when I was a customer with the larger legacy banks, I would often just bury my head in the sand and hope for the best, but now I actively plan and budget using featurs such as pots. Monzo's attitude towards moral lending and low interest rates (even for small amounts of borrowing) is also fantastic, compared to the predatory payday lenders of old such as Wonga. Reviewed on: 9th January 2020

Good

I switched to monzo from NatWest and it was the vest choice for me. I am now saving money and I can easily keep track of my spending and finances Reviewed on: 9th January 2020

Couldn't ask more for a current account (and I work for another Bank!)

Monzo gives me full control of my money - Everyday banking is no longer a chore, it is quick, fast and easy. I have switched all my banking over to Monzo for a long time now and never looked back. They provide excellent customer service and an innovative customer experience, but what I find most refreshing is how open and honest they are throughout. If things don't go to plan, they hold their hands up and they tell you what went wrong and what they are doing/have already done to resolve the issue. They're a bank I trust, which I'm sure everyone agrees is rare these days Reviewed on: 9th January 2020

Recommended for everyone

I love the ease of use that monzo offers. The instant notifications, shared tabs, pots, and upcoming direct debits shown on the main screen has made banking fun for me! Using monzo was the best decision I made which has helped me manage my money in an improved way. Reviewed on: 9th January 2020

Changed my finances for the better

Monzo has revolutionised how I budget and has enabled me to have a view of my finances that I never thought possible Reviewed on: 9th January 2020

Amazing service and great app!

I love the Monzo app for managing my money, it is a lot better and easier to use than my old bank. The service is great as well, every time I have had a problem it has been sorted so quickly. Definitely the best bank out there. Reviewed on: 9th January 2020

Banking that makes an effort

After having a pretty standard bank with Natwest since I was a teenager I became pretty used to having a bog standard type of bank account and I guess I accepted that this below par account that just done it's job was the only choice. I've since made the move to Monzo as banking can definitely be better and they are one of the top companies proving that. They make a bank that's made to genuinely help customers take control of their money and really care about what they do. They've brought warmth to a market that's been dominated by coldness and customer service that goes above and beyond. They don't always get it right but are honest enough to admit this and tell customers what goes wrong when it does and I only see this as a good thing. Reviewed on: 9th January 2020

Revolutionising Banking

Monzo (and other Challenger Banks) are the future. So damn convenient, easy to use app, great feature set, fully mobile based, great customer support, instant transaction and DD notifications as well as depth spending analysis. In comparison, I was on the phone for 46 minutes (during working hours) with a run of the mill high street bank (one of the big 4) just to make minor changes on my account. Completely archaic practices that are frustrating for the customers and a complete waste of time! I would never ever open another high street bank account and I am genuinely considering closing my existing accounts. Reviewed on: 9th January 2020

Clear where your money is and goes

Easy to use and great for budgeting. I like being able to categorise my spending and see how it changes month to month. Reviewed on: 8th January 2020

No over spending.

Monzo shows me what’s left to spend When outgoings are taken into account ie bills etc.. not just the account balance. Reviewed on: 8th January 2020

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