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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

68% 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)

Best bank ever

Most amazing customer support, an incredible app and tonnes of great features for managing my money being added all of the time. Reviewed on: 11th November 2019

Clear financial hygiene

The Monzo design helps me keep on budget without over-spending on impulses. Reviewed on: 11th November 2019

Transparent banking for the modern age

What's not to love about Monzo? Their no nonsense approach to communication coupled with honest and ethical practices combined with a truly magical mobile app. Reviewed on: 11th November 2019

Stay in control, great with friends

First and probably most importantly, Monzo has given me greater visibility over my finances and helped me improve my financial position. I’m much more aware of how much I have, and where I’m spending my money. Instant notifications and budgeting tools have really helped. As has an app that’s quick and easy to use. Monzo also has some features that work really well if your friends also use Monzo. Splitting the bill at a restaurant is effortless, and shared tabs allow me and my housemate to manage bills between us effortlessly. No/minimal foreign fees is also a bonus. Reviewed on: 11th November 2019

LOVE it

I never thought I’d LOVE a bank. The ethics and doing things right is so refreshing to the dinosaurs we’re accustomed to Reviewed on: 11th November 2019

Making banking easier for everyone

I’ve never been more in tune with my finances than when I started using Monzo. It’s completely changed my own and my partners control over our money and we’ve never been in a better position because of it. Monzo doesn’t make you become better with your money but it certainly has the app, tools, community and support to help you achieve your financial goals Reviewed on: 11th November 2019

The future of banking is here.....

Account opening is fast and straightforward. Instant notification of funds arriving and leaving account. Support by online chat has been excellent. Reviewed on: 11th November 2019

Closed, dishonest and opaque.

I have had Monzo for a considerable time and the product, service, and company as a whole, are getting worse and worse. My app has never worked properly, I get red error messages if I do half a dozen different actions, which has been mentioned to CS to a shoulder shrug, but mostly I paid out for their premium plan, Monzo Plus which the company completely made a hash-up off, and have now scrapped. Despite scrapping the product and going back to the drawing board because it was a complete failure, they refused to refund customers or accept any liability, claiming that they had delivered the product, despite obvious evidence that they did not. Shocking morals from a company that claims to be open, honest and transparent, and not like the rest of the sector. Wouldn't trust them as far as I could throw them after that. Reviewed on: 11th November 2019

Fantastic Bank

Been full Monzo for a few months, love how I can finally budget my money, tells me in advance when something is due to come out so I don't fall behind. Pots and round ups are wonderful. Customer service is great too. Reviewed on: 11th November 2019

Incredible improvement for control and engagement with my money

Monzo has allowed me to engage regularly with my money in a delightful way. I have control and oversight over my money and can interact and analyse me spending and accounts in a couple of easy, sparkly taps. Reviewed on: 11th November 2019

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