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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)

More like a digital wallet than a bank

I've been using Monzo from the beginning and love how connected I feel to my money. It feels personal. Transfers are instantaneous and neat little notifications keep you informed of activity while you're out getting on with your life, whether at home or abroad, IRL or online. It's smart, secure, convenient and inexpensive, and did I mention personal. It's how digital money should have been all along. Not like a bank at all. Reviewed on: 7th November 2019

Absolutely brilliant

Monzo provides everything from within the App, just brilliant the interface is smart and reliable. Reviewed on: 7th November 2019

Clean simple and quick.

Monzo is so easy to use and the support the offer is brilliant. It's banking without the headaches Reviewed on: 7th November 2019

Just fantastic

I moved to Monzo, creating first a personal account to use for my work expenses, and thought it was really pretty good. So with my husband we have then set up a joint account, and run everything through this in terms of day to day money. It really has transformed how we spend money. It is so innovative in the app, showing what has been spent in really time (apart from a payment through PayPal which seems to take longer), it shows a payments that are pending and it calculates the regular outgoings and deducts them from the total in the main account, showing in real terms money available. It allows you to create pots, some can be with interest attached, it allows you to pay for certain bills directly from a pot. It is truly brilliant, I am so pleased I have found it. The few times I have needed help it has always been quick. Plus when I've forgotten a pin it is easy to get a reminder as they have a secure way to identify me. Just love it. I tell everyone to use this bank, particularly if you want to keep track of all you are spending and figure out how to save and ensure you have enough for both essentials and desirables. Reviewed on: 7th November 2019

Best bank ever

Monzo has been amazing in helping me manage my finances. It has the best features I could ever hope for in a banking app. Features like Bills pots etc have been truly revolutionary in my life. Well done! Reviewed on: 7th November 2019

Bloody Awesome

Honestly one of the best banks I’ve ever been with - the pots to save money in and to help separate bills are a lifesaver. The option to round up pennies from transactions makes it so easy to save up and you don’t even notice it. The budgeting tools also make it much easier every month to see where I may be overspending and what I need to cut down on. It’s the little touches that really make Monzo stand out from the crowd - I don’t think I’ve ever been so excited about having a bank account Reviewed on: 6th November 2019

Best bank

Best bank I've been with, flexible and continually innovating to provide the best user experience Reviewed on: 6th November 2019

Current account recommendation

Really helpful lot, highly recommended! Reviewed on: 6th November 2019

Amazing and Easy

The best bank ever. Incredible for budgeting and money management. Reviewed on: 6th November 2019

Very good

There’s not much bad to say, super easy tracking your spending. No fees abroad. Very good Reviewed on: 6th November 2019

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