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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (18186 reviews)

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4.93

Based on 18,186 reviews, last reviewed 27th Feb 2026

47300% increase in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo is easy to use, great interest rates for savin... Monzo is easy to use, great interest rates for savings and easing investing through their app Reviewed on: 27th February 2026

Latest lowest rating:

1

Been banking for a while with numerous banks but ti... Been banking for a while with numerous banks but till date I only faced an issue with Monzo who froze my account. Lots of frills but lacks confidence ... Read more Reviewed on: 25th February 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

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 (18186)

Innovative with great security and user experience

Monzo provides a fantastic user experience for something as monotonous as banking, teamed with their fee-free international payments I have no hesitations recommending them to anyone! Reviewed on: 6th November 2018

Changed how I use money

Instant notifications telling me how I'm doing with money, instantly freezing a card if I loose it, unfreezing if I find it and fast card delivery for when I can't. An overdraft I can toggle on and off quickly, with a free buffer incase something goes wrong. Simple, efficent and correct, no more waiting 3 days for my credit card to update and delightful notifications when I get paid. Reviewed on: 6th November 2018

Easy

So easy and no international transaction fees! Reviewed on: 5th November 2018

Simply awesome

A friend of mine advised me about Monzo so I signed up for an account on the Friday night at 23:30. Within 72 hours I had been accepted, ID all sorted & the card was behind the door Tuesday afternoon. As for how the account performs, that's 10 out of 10. Every transaction pops up on my smartphone as soon as I've swiped the card / keyed in the PIN. Payment into the account by my customers is instant. So far, & six months in, not one issue! The big high street banks are failing people so I can only see Monzo going from strength to strength. :-) Reviewed on: 5th November 2018

Excellent Bank and Customer Service

I love this bank. So many rich features that you will not find in any high street bank. Their customer service is outstanding after I had an issue with my salary not being paid into my account correctly, whilst this was frustrating and caused concern, their customer service helped to deal with the issue and resolve my complaint. Loving how you can add saving pits and schedule payments into these daily or weekly and set yourself goals, maybe for those big yearly expenses or holiday or car. Real time notification as money is paid into your account or a debit is made, with a host of security features that you can enable yourself depending on your own preference. This bank is leading the way and will leave the others standing. Wished I started using it as my main bank account sooner. Reviewed on: 26th October 2018

Monzo - refer a friend - £5

I really recommend Monzo. I think it’s the best current account and use it for all my banking now. If you are thinking of joining , please use my referral Link. https://monzo.com/referral?code=ukow78k Using this link we both will get £5. Thank you in advance for using my link Reviewed on: 5th September 2018

Excellent app and superb customer service!

I started using monzo as I was traveling in Thailand and the app made it so easy to keep track of my money! It allows you so separate your funds so you can't overspend but you still have immediate access to those funds as soon as they're needed. The support staff and friendly and knowledgeable! Reviewed on: 2nd September 2018

It's changed my relationship with my money entirely

I know feel I have a connection with my money whereas before I never used to spend much time on my banking app as it felt boring, unengaging & like there was a digital barrier between myself and my money. Now I feel I have complete freedom over my money, how I use it or store it, how I engage with it and my understanding around a variety of topics thanks to the help tab in-app which I never used to get with high-street banks. Their customer service is second to none, it is absolutely blazing a trail for how banking should be done by focusing on those that matter, the people. Reviewed on: 24th August 2018

Absolute shit

Wouldn't let me sign up online using methods I've used before to set up accounts online. Waste of time, don't bother, better off hiding your cash under a wankstained mattress Reviewed on: 23rd August 2018

Hit the head on the nail.

Monzo is a great bank, their app updates immediately 24 hours a day including weekends and bank holidays. You’re in complete control of your money and the app allows you to control your card, spending, and connects you with customer services 24 hours a day. Reviewed on: 1st June 2018

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