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Monzo: Current account reviews

View other Monzo products
4.85
Based on 19,422 reviews, last reviewed 21st Jun 2026
68% decrease in 5 star reviews
in the past 90 days
10% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Monzo provides one of the best online experience. Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy.... Read more Reviewed on: 21st June 2026
Mncedisi M's avatar
Mncedisi M

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
Philip B's avatar
Philip B
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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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Monzo Current account reviews (19422)

Fast and reliable

5
The Monzo team are very efficient and I received my first bank card within 2 days of downloading the app. Their customer service is quite helpful and speedy as well. Reviewed on: 8th February 2019
Buggie's avatar
Buggie

Simply Amazing

5
With them since the first betas. They’re killing it now. Hope they can stay ahead Reviewed on: 8th February 2019
Daniel's avatar
Daniel

Brilliant

5
So easy, prefer to Starling, I've gone full Monzo! Reviewed on: 8th February 2019
PrestonMonzoUser's avatar
PrestonMonzoUser

This is proper banking.

5
Monzo is an awesome app only customer centric bank!! Little wonder they won Which? Bank of the Year Reviewed on: 8th February 2019
Jamie Haywood's avatar
Jamie Haywood

Simply put, the best account I've had in my life

5
I still remember arriving to the UK and struggling to get banks to open an account for me because I didn't have an address yet. I also remember numerous issues with my previous bank's mobile app, the rather simplistic and insufficient experience, and the inconvenience of having log in with password, secure password, 2FA key, security question, and a drop of holy water from the Vatican. Horrible memories. Thankfully, that's all in the past! With Monzo I've found a bank that opened my account with just a few clicks, charged me nothing, and in return gave me a rich mobile-first experience, tons of powerful features to help me see where my money goes (and save some in the process!), and a great, responsive customer support! All in all, it's not only the best so-called 'challenger bank' I've used; It's the best bank, period. Reviewed on: 8th February 2019
Gus's avatar
Gus

Simply put, the best account I've had in my life

5
I still remember arriving to the UK and struggling to get banks to open an account for me because I didn't have an address yet. I also remember numerous issues with my previous bank's mobile app, the rather simplistic and insufficient experience, and the inconvenience of having log in with password, secure password, 2FA key, security question, and a drop of holy water from the Vatican. Horrible memories. Thankfully, that's all in the past! With Monzo I've found a bank that opened my account with just a few clicks, charged me nothing, and in return gave me a rich mobile-first experience, tons of powerful features to help me see where my money goes (and save some in the process!), and a great, responsive customer support! All in all, it's not only the best so-called 'challenger bank' I've used; It's the best bank, period. Reviewed on: 8th February 2019
Gus's avatar
Gus

Top service

5
Just love the Monzo app! Been with them for a while now. As soon as they had Apple Pay they win hands down Reviewed on: 8th February 2019
Jules Gribble's avatar
Jules Gribble

A 21st century bank

5
I've been with the bank since the early days and their customers support is absolutely super. Not only that, their features are amazing: instant bank notifications, predicted spending, budgets, pots and savings, freeze cards and I could go on. Amazing bank and I'm very glad to be a part of it. Reviewed on: 8th February 2019
Kieran's avatar
Kieran

Amazing bank

5
Very easy to use and great bank Reviewed on: 8th February 2019
Sharmarke's avatar
Sharmarke

Monzo have future proofed banking

5
They’ve started off small and humble, but they are growing fast. Things can only get better for them from here. Reviewed on: 8th February 2019
John Garvey's avatar
John Garvey

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