Write a review

Go to business site

Monzo: Current account reviews

Name: Current account
Rating: 4.93 (17936 reviews)

View other Monzo products

4.92

Based on 17,936 reviews, last reviewed 14th Feb 2026

35000% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

I only got Monzo to use in Spain, it's main bank now. I only got Monzo to use in Spain because you get a good rate and it's convenient. I then realised it was good for savings and perks, just better than ... Read more Reviewed on: 14th February 2026

Latest lowest rating:

1

They put my account on hold for no reason at all and... They put my account on hold for no reason at all and took them 2 weeks to answer my emails and they took my money too, will never bank with and most c... Read more Reviewed on: 12th February 2026

Read all reviews Write a review

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.

Review Monzo: Current account now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

What is this award?

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 (17936)

Easy, instant information

So easy to use live chat, so great to get immediate payment notifications on my phone, everything just works Reviewed on: 9th November 2018

Monzo is amazing for anyone terrible at budgeting

Monzo has been a great account for anyone challenged by budgeting. Reviewed on: 8th November 2018

Simply fantastic

Love that I can access this purely online/on my phone as a busy person. The information provided on each one of my transactions helps me budget and keep track of my spending. The bill splitting function is great, and the overall application process is practical and easy. Reviewed on: 8th November 2018

Super easy and intuitive, app-powered.

Chose these guys 18 months ago and have not looked back. Its what a bank looks like when re-imagined, it's app based which is not unique. But its 100% app based, so fast. Customer service is chat based, splitting bills, requesting payment, notification feeds of even why a transaction didn't go through like when I get the CVV number wrong. I never have to call anyone, it's free ( although I appreciate that I will need to pay eventually) and even when I go abroad I use the card at fair exchange rate. I can even upload a photo to be an an icon for all the places where I spend money. Its superb. Reviewed on: 8th November 2018

Brilliant

Easy to set up and easy to manage Reviewed on: 7th November 2018

Amazing financial service

Easy budgeting and management of money with a clear app Reviewed on: 7th November 2018

Wonderful for the moment

I enjoy the app, trust the instant notifications, the super swift customer help - not only that but the almost immediate refunds from shops when my card was stolen, Monzo dealt with it very simply and I was super grateful. I often recommend it to friends but I'm curious about why Starling Bank is also seen as so consistently good. Hands down, beats my old high-street bank, but I do wonder how they can keep getting better and what the future holds... Reviewed on: 7th November 2018

Best app in the UK

I've tried Sandander, but also Starling Bank. Monzo, for me, is number 1. Reviewed on: 7th November 2018

Couldn't ask for a better bank.

Transparent, functional, friendly and fully featured. Monzo is an absolute joy to use. I couldn't ask for more! Reviewed on: 7th November 2018

The Pinnacle of 'App Based Banking'

Monzo is the kind of company that 'listens' to it's customers and actually publishes that it is indeed listening. It then holds itself 'accountable' to certain timelines by prioritising customer requests. These are voted for by the outstanding forums- and it truly feels like this is (smart) 'community led banking' for this generation. The best recommendations are word-of-mouth and truly, I have been an ambassador (for free!) to herald Monzo's app and service structures. Give them a try- you will definitely switch to this enhanced way of banking. Reviewed on: 7th November 2018

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Reward Platinum Account
from NatWest 4.76 from 446 reviews
Current Account
from thinkmoney 2.91 from 71 reviews
Essential Current Account
from Virgin Money 3.05 from 142 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 4 reviews
Savings
from Monzo 4.97 from 201 reviews
Flex Purchase credit card
from Monzo 4.97 from 2948 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub