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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19421 reviews)

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4.85

Based on 19,421 reviews, last reviewed 19th Jun 2026

67% 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

Such a good bank with fun opportunities to get extra... Such a good bank with fun opportunities to get extra cash. Not only this, they give free techniques, services, tea and advice on money and accounting. Reviewed on: 19th 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 (19421)

Excellent service ant convenience

Every time I've had to contact Monzo they've been very helpful, the app is a joy to use and I can't ever see myself going back to an old school current account! Reviewed on: 12th November 2019

Love Monzo

Monzo are great. The budgeting tools such as pots, left to spend have meant I have started to actually save and am not living payday to payday. Great app. Can't fault it. I tell everyone about it! Reviewed on: 12th November 2019

Fraudulent activity and accusations led us to leave

I’m taking this forum to discuss the frankly astoundingly poor customer service we received when dealing with a large amount of money being taken from my wife’s account. Monzo did not try to help us recover the money, they were unavailable via the phone and every time we tried to resolve it via the app... a new person with very little additional input helped us. We were even told that Monzo wouldn’t return our money. At this point I’d like to point out that the company that this fraud was used within, is highly regulated and adept to this nature of transaction. IN LESS THAN TEN MINUTES they resolved the issue due to ‘clear and obvious’ fraudulent activity. They refunded immediately. The trouble didn’t stop here however. 15 days after the refund was processed, we still had nothing. Upon working with the other company, we got them to use another method instead of returning to a card. This came in again, very quickly. Money was moved and the account shut. Monzo are a fantastic and innovative bank, WHEN things are going well. But when there is a bump in the road (there are always disingenuous people in life), not only did they do nothing to help. They exacerbated the stress by being accusatory in their investigations. Therefore I would not recommend to family/friends. You can’t just be a fair weather bank. Life is not always sunshine and rainbows... you HAVE to be in your clients corner! Reviewed on: 12th November 2019

Better than I expected

I've had little to no issue in the last 5 months of using it, I'm very pleased. Reviewed on: 12th November 2019

Innovative and Easy to use

Good clean app, but the current account features are incredible and worth switching from a legacy bank Reviewed on: 12th November 2019

Lacking features

Still no IBAN or Swift so no good for international payments and to pay a cheque in you have to post it off freepost (so it can go missing and does), whereas other digital banks let you scan the cheques with your app! Very behind yet is spreading to the USA before they have even finished here really. Reviewed on: 12th November 2019

Nice current account. Easy to use

It's easy to use and fast. The current account is good and they always adding new features based on customer feedback. Reviewed on: 12th November 2019

Straight forward banking, with a community that cares.

Monzo, is the future of Banking, it is very straight forward to use, and gives you the security and information you need relating to YOUR money, they do eaxctly what banks shoud do, they dont take advantage or charge you rediculous overdraft fees, they work with you, and support you. FCA approved so your mony is safe. Reviewed on: 12th November 2019

BIG UP. GAME CHANGING

BEST BANK FOR THE BOIZ - very happy customers from the early days of the Beta to the future of open banking Reviewed on: 12th November 2019

What a joke

When they started, they had a simple mobile app and no fees. Now their app is an overcomplicated mess, and they seem to want to make money mostly by adding ridiculous fees, whilst providing terrible customer service. If you want to pay silly fees for a sub-par current account that gives you no help when something goes wrong, Monzo should be your choice! Reviewed on: 12th November 2019

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