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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)

A pretty perfect bank

Everything works and they seem to listen and admit when mistakes occur in their direction. All I need is a few extra features and its done for me. Reviewed on: 11th November 2019

Puts every other bank to shame

Monzo just makes sense. Leading the way with features and support. Any unfortunate interaction with other banks is painfully dated and reminds me of how happy I am I switched to Monzo. Reviewed on: 11th November 2019

Terrible customer service

Very slow response times and unhelpful teams when you talk to them Reviewed on: 11th November 2019

The only bank I would trust my money with

The best and still getting better Reviewed on: 11th November 2019

Great bank

Best app, bill splitting feature is a game changer Reviewed on: 11th November 2019

Long time user

I have been a user since early 2017 (beta) and have been using it as my main bank since the beginning of current accounts. Monzo has been nothing but great and has helped me improve my personal finance. Reviewed on: 11th November 2019

Bringing clarity to my personal and joint finances

I’d say that this may not be perfect for some people, but for me it’s exactly what I’ve been looking for. Monzo feels progressive, doing away with the old ways of banking and real-time budgeting means I’m always in the clear about my finances rather than trying to make a sustained effort to check. Reviewed on: 11th November 2019

Innotive, honest and transparent

Very good bank from the busy tubes in London to the sunny beaches of Tenerife my little hot coral card has been there Reviewed on: 11th November 2019

Simple, functional and free

Monzo has probably the best designed app: ease of use and an Eco system to pay people you know. Overdrafts are free of paid before midnight and the bank has very good customer service from my experience. Reviewed on: 11th November 2019

A great British bank.

Always a great experience using Monzo, the app is excellent! The app allows full and immediate control of your finances... Reviewed on: 11th November 2019

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