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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
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0%
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0%
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1%

Latest highest rating:

5

Great app and easy to use with lots of different fea... Great app and easy to use with lots of different features! Reviewed on: 6th September 2026
Stuart McCune's avatar
Stuart McCune

Latest lowest rating:

1

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
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DreadHead87
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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 (19431)

Super convenient and easy to use when it matters

5
Monzo showed its true worth last month while I was on holiday in Italy. I didn't change any money before i left, instead using my normal weekly budget and topping us as required. The holiday was done completely using monzo and it was a doddle. Then I got to the airport and realised I didn't have my debit card with me. Instead of being in a mad panic and worrying about it being used fraudulently, or being unavailable to me for the next week at home, I was surprisingly calm. With monzo I could instantly freeze the card while I searched for it, and when I found out where I'd left it I cancelled the card and ordered a new one in the airport. It took three taps in the app to sort it, and best of all by the time I got home it was on my doormat! I couldn't be happier with monzo as a bank. Reviewed on: 30th January 2019
Rich's avatar
Rich

Money managing

5
I had a high street account. I was introduced to monzo by my daughter. I love it you can see exactly what & how you spend. Fantastic!!! Reviewed on: 30th January 2019
Debbie Jensen's avatar
Debbie Jensen

Perfect balance of the convenience of paying by card with the control of cash

5
Monzo is the only financial services brand I can think of where customers eulogise about it and actively encourage friends and colleagues to take it up. As we pay increasingly by card a lot of people worry about the loss of control that we have with cash - Monzo is the perfect solution to this. Reviewed on: 30th January 2019
Bruce's avatar
Bruce

I LOVE MONZO

5
I love Monzo, it works excellently both abroad and in the UK. I recommend them to everyone. Reviewed on: 30th January 2019
Emma Steigmann's avatar
Emma Steigmann

Best thing to happen in banking since the recession.

5
Monzo has been a true innovator in its field and I was happy to be a beta user before the full launch. It really does show that banking, saving and managing your finances can be easy. The best user platform and functionality it puts other banks to shame. Keep it up Monzo team! Reviewed on: 30th January 2019
DR3W's avatar
DR3W

Simply the best bank in the world

5
Customer focused is banded about by everyone these days but it’s actually true with Monzo. Reviewed on: 30th January 2019
James Dye's avatar
James Dye

Just what current account needs and then some more

5
I have yet to find something that I don't like about Monzo. Customer Service is brilliant, app is reliable. Love all the tools available for me through the app. Reviewed on: 30th January 2019
GS's avatar
GS

From niche product to a great all-rounder

5
Started using Monzo in Feb 2018, back then as a "top up" card for going out. During the last year I've seen it growing up and fledging - now it is my main bank account and the only reason I didn't make the switch from my other banks is that I need the travel insurance and the 5% savings account they provide. But the 1% pot, the shared tabs for our home expenses, the round-ups, the budget control, the small icons for expenses.... This guy is a winner! Reviewed on: 30th January 2019
Adam's avatar
Adam

Fantasic

5
Love, love, love Monzo, its my only UK bank. Super simple to set up, they took what is seen to be one of the hardest things about moving to the UK and made it super simple. Customer service is quick and helpful, app is wonderful and bill splitting between friends is so helpful. I hope in the future all banks are this great! Reviewed on: 30th January 2019
Nicki's avatar
Nicki

Makes me feel in control

5
Intuitive, easy to use banking that makes me feel in control - the speed and transparency with which features develop is fab too. Reviewed on: 30th January 2019
Simon's avatar
Simon

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