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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
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0%
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0%
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1%

Latest highest rating:

5

Great app and easy to use with lots of different fea... Great app and easy to use with lots of different features! Reviewed on: 6th September 2026
Stuart McCune's avatar
Stuart McCune

Latest lowest rating:

1

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
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DreadHead87
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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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Monzo Current account reviews (19431)

Easy banking on your phone

5
From the sign up experience to the regular feature updates and improvements, to the security and social protections, it is clear that Monzo put a lot of effort into making banking not only easier but also safer and more supportive. The budget feature has had an enormous positive impact on my monthly spending, and the pots are simple genius. I don't personally use it but the fact they have a gambling and other lock outs that individuals can opt to turn on gives me hope that this company actually cares about their customers, rather than just saying they do. They have a page dedicated to Ethics and while this is a bit vague I hope and trust that they do care, and won't invest my money in oil and arms. Reviewed on: 5th January 2020
Steve P's avatar
Steve P

Excellent bank

5
One of the most innovative and customer focused banks in the world. Customer experience, products, app and over package is perfect. All products and services are tailored to customer needs and providing solutions. 10/10 for me Reviewed on: 4th January 2020
Emmanuel Kpaga 's avatar
Emmanuel Kpaga

Best British Bank

5
Honestly you cannot compete them to the likes of Starling and traditional banks. Monzo is king. Reviewed on: 4th January 2020
Michael Tanner's avatar
Michael Tanner

User Friendly Banking

5
Monzo was my first foray into one of the new style banks after being referred by a friend. What an incredible banking experience it’s been with Monzo. Easily the friendliest way to bank. Reviewed on: 4th January 2020
RetroSteve's avatar
RetroSteve

Puts the legacy banks to shame

5
Great customer support and an app that provides you the information you need. The pots are a complete game changer especially the bill pots where you can set aside all the money you need for your fixed outgoings. Reviewed on: 4th January 2020
Tom Andrews's avatar
Tom Andrews

Simple current and savings accounts

5
Notifications, search, paying friends are all great features. Surprised that their saving products are also decent, which makes managing money between them super simple. Reviewed on: 3rd January 2020
Michael's avatar
Michael

Best UK current account by far - faster, slicker, more innovative and transparent than everyone else.

5
Monzo... where to start?! They've consistently raised the bar for every aspect of what a bank should be for me, to a level higher than even the other challenger banks. They first won me over by offering instant, detail-filled notifications about everything which happens on my account (not just payments, but verifications, refunds, declines, fees etc.) - telling me things like the decline I just had was because I entered the wrong CVV! Then, they built more features on top of the platform (e.g. savings pots which you can specify certain direct debits to come out of, etc.). Then they launched overdrafts and loans, both of which I've not used and have found a very smooth user experience with no delays at any stage of the process. I should note, that while my Monzo is my main account for my salary and almost all bills, the card I spend with regularly is my Curve card (which usually spends directly from my Monzo, but gives me unique things which only Curve can do) - Monzo and Curve are my two most loved fintech products. Right from the start, Monzo have been more transparent and communicative as a company than almost any other company I know, even outside of the finance and technology areas! For example, their easy-reading but super-detailed "Making Monzo" blog is a goldmine of interesting insights and technical expertise which shows how incredibly talented their team are, and builds up my trust in them massively as the kind of company I want to deal with. When things go wrong at traditional banks, they keep it quiet at all costs, sweep it under the rug, downplay it and lie about it to stop people worrying. Half of the time, when things go wrong at those banks, you don't even know it! Your expectations are actually so low of what service you receive (e.g. transactions taking days to fully complete, no banking at the weekend or even overnight...), that they actually have quite a lot of time to fix things quietly in the background without telling you. However with Monzo, when things go wrong they immediately tell everyone about it, scramble to fix it, then afterwards write up a super detailed blog post explaining exactly what went wrong (in all the gory technical detail) and what they're doing to make sure it never happens again. Now THAT is what I want from my bank, and in that area of transparency, Monzo are a million miles ahead and leading the pack. I can only hope they are as successful as they deserve to be, and their company culture is around for a long time. <3 Reviewed on: 3rd January 2020
Andrew Beveridge's avatar
Andrew Beveridge

Awesome banking service with instant notifications.

5
I moved the regular house and car service billing to Monzo. I use the Pots to separate some of the funds. The experience has been awesome, the instant credit and debit notifications are very useful to keep a track of the balances and the customer support is great. I don't have to wait in queues at the bank and the only time I have to go somewhere is to deposit cash, which is very rarely. Awesome. Reviewed on: 3rd January 2020
Bharat K's avatar
Bharat K

AMAZING

5
Can't believe quite how much Monzo has changed my life, as a wonderful tool to not only manage my money but to get it to work! I see it almost as a social media app now! Reviewed on: 3rd January 2020
James Dare's avatar
James Dare

Best current account

5
Never had any issues with monzo, had so many issues with starling Reviewed on: 3rd January 2020
Ishtiaq Ahmad Ahmad's avatar
Ishtiaq Ahmad Ahmad

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