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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19402 reviews)

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4.93

Based on 19,402 reviews, last reviewed 28th Apr 2026

3226% increase in 5 star reviews

in the past 90 days

467% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Really helpful customer service, solve most issues w... Really helpful customer service, solve most issues within a few hours. The early payday feature is a lifesaver, nice little thing to have. The perks p... Read more Reviewed on: 28th April 2026

Latest lowest rating:

1

They closed my account in 2024 without any clear rea... They closed my account in 2024 without any clear reason, even though I was actively using Monzo to receive my PIP payments. Honestly, it’s been a real... Read more Reviewed on: 14th April 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 (19402)

Absolutely the best Current Account bank

So clear, simple and honest with the fees, communications, roadmap. It’s refreshing to see. Only slight issue is the speed of customer care, but given you’ll likely never need to them, as everything else is so good, I can live with it. Reviewed on: 16th January 2019

Simple straightforward modern way to bank

Perfect banking app. It lets you categorise spending so you can see where your money is going. Transactions are immediate - the app has notified me of a spend before the cash register has finished! Great for transferring money to/from people you know. We use the joint account too and it’s brilliant. Highly recommend Reviewed on: 16th January 2019

Excellent service excellent company

Novel, new and wonderful. A breath of fresh air Reviewed on: 16th January 2019

Total control

Gives you total control of your finances. Excellent support and community too. Reviewed on: 16th January 2019

Amazing

I work for one of the biggest banks in the UK and we are year's behind what monzo are doing interms of technology and user interface. Reviewed on: 16th January 2019

As simple as it should be

A very straightforward, transparent bank with an amazing mobile app. Reviewed on: 16th January 2019

Practically Perfect in Every Way

I have been a customer of Monzo for three years, and have cancelled my main high street bank accounts. You’re not a number with Monzo. But an actual person. Reviewed on: 16th January 2019

Simple. Instant. Cool

I like data. I like my data. I like cool stuff. Monzo made a cool bank and an excellent brand. Reviewed on: 16th January 2019

Great

Great banking online and managing money hope branches open. Reviewed on: 16th January 2019

Great Customer Experience

I have been a customer of Monzo for the past four months. I have not complained about a single thing they do. The transactions are easy, transferring in a out is very fast, you can set yourself budgets, you can easily manage your dedicated monthly payments and you can even use the help of IFTTT, to save regularly. I use them for the 1p challenge and the 1p reverse challenge; both of which are building up nicely. A few things that I would comment on: possibly being able to create your own Categories. The default ones are excellent, but being able to be more specific would be outstanding, especially if you have OCD like myself. Secondly and not that I have anything wrong with it at all as I love it, but maybe give customer a choice of different coloured cards, or cards that they could add design, pattern or even pictures to. Thirdly, savings accounts with interest: I’m not sure whether or not this is being worked on, but not a lot of people have that £1000 to start off the account with, but would like to open one. Considering that 1% is higher than a lot of banks and building society’s have on offer, which you can access. Reviewed on: 15th January 2019

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