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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (18183 reviews)

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4.93

Based on 18,183 reviews, last reviewed 26th Feb 2026

47150% 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

Very good I’ve used monzo for over a year now, i use the Perks which i found great value for money. The customer service is excellent and very efficient. I woul... Read more Reviewed on: 26th 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 (18183)

Trying, but not quite there

Reliability isn't quite 100%. Random downtime is a bit annoying The app is also very scarce and missing standard features (such as editing a standing order, for example) and no security for the app is disappointing They seem to focus more on flashy features rather than security and basics (we have nice badges that nobody else will see, but no locking for the app) Customer Support is hit and miss depending on who you speak to, and complaints usually result in a "goodwill gesture" to pay you to shut up Reviewed on: 16th January 2018

The bank of the future

Monzo are the people I want to bank with. They're approachable, always asking for feedback & invite their users to their offices for events every month. On top of that, the app is incredibly easy to use. For the first time I'm budgeting & saving properly because it's so simple, compared to my old bank. Other banks might have more features or more currency management options but I've found that my overall experience with Monzo is far better. Reviewed on: 16th January 2018

Innovative app-based bank

Monzo has revolutionised banking for me, they give you so much information accessed easily through an app, making it so much easier to budget. Reviewed on: 14th January 2018

A stunning product and outstanding customer service!

I recommend Monzo's current account to anyone that comments on my (fabulous) coral-pink card, or that compliments their excellent spending dashboard app. They are a company that listens to their customers, and know what their customers want as a result. I have found it much easier to manage my spending using their app than I ever did with previous account providers, and I think that is because Monzo are focused exclusively on getting their current account right! Reviewed on: 13th January 2018

Innovative, modern, efficient with an all round fresh approach

A brilliant new bank offering a current account with ease of access through a phone app which is seamless. A new way of banking which works seamlessly and allows you to access you money and keep up-to-date with transactions on the go! Reviewed on: 9th January 2018

Everything a bank should be, but lots more.

Fantastic customer service. Any issue that I have encountered has been dealt with in a personal, quick and efficient way. I could not have asked for more. The app itself is a complete revolution. They have listened to their customers and delivered. Full marks on creating a brilliant bank for me and my needs! Reviewed on: 5th January 2018

Amazing

Wish i could collect emirates air miles lol then i wouldn't need any other card Reviewed on: 5th January 2018

Amazing!

Being able to see your transactions in real time means no more getting caught out when things you have forgotten about show up. Their customer service is also second to none - seriously impressed! Reviewed on: 4th January 2018

A bank for me

Monzo has a fantastic app, for the first time I feel like this is a bank/app which puts the user first and genuinely helps to manage my budget & analyse/understand my spending. The app is incredibly user friendly, I love it. Can you marry a banking app?! Reviewed on: 4th January 2018

Beyond Excellent - 11 out of 10

I'm a curmudgeonly octogenarian so I don't give praise lightly to anyone. I have no current account with Monzo but I did take out their foreign cash card earlier this year. To compare this Bank's consummate professionalism - in every aspect of their modus operandi - versus many other competitors with whom I've banked over the years is to mark the difference between bucket and Boeing, hence the title of my review. They are not so much a breath of fresh air in the market, more a much needed force 9 gale. Reviewed on: 4th January 2018

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