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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

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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

96%

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

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 (19422)

Innovation at its best

Monzo have completely revolutionised the banking industry in the UK. Levels above all the outdated traditional banks. Would recommend to everyone. Reviewed on: 14th January 2019

The account I've needed

Saves me so much time reviewing my spenditure Love how easy it is to set up Reviewed on: 14th January 2019

Best app, customer service always available, online chats age the future

I've used a few regular bank apps and challenged banks and this one is the best of them all. The customer service is also very on point, with very quick replies and always there to help. Online chats are the future. Reviewed on: 14th January 2019

Bank of the future

The way the app has had so much thought for it and the way the company culture is is faultless. Sure there are a few things missing and it can take a while for features, but it's all worth it and they deserve it Reviewed on: 14th January 2019

Good Money, Good Bank

Monzo is the only bank that is built for good finance habits. A bank that is good for the customers. A good bank. A true challenger of traditional business model that makes money on people having bad money habits. Good Monzo. Reviewed on: 14th January 2019

Leaving the Victorian banks behind

For too long the big banks have sat earning money without investigation in customer experience...monzo has built users into the core of the bank, winner Reviewed on: 14th January 2019

The best banking expereince I'm likely to ever have.

From customer service, to ethos, policy, communication and brand, Monzo have completely nailed it! There's not one financial institution that I could say I genuinely trust, but Monzo is one I feel like I can. They're there for me when things go wrong anywhere in the world, they charge me fairly, with policy I had a say in making. I'm completely astounded by the speed they move to develop new features and how much they listen and engage with their customers. I can't wait to see, and feel a part of their future, and look forward to the day I can chose them as my mortgage provider too. Reviewed on: 14th January 2019

Ease, Quality, transaparency

Simple, Monzo offer a simple and feature full current account. Transparency is a breath of fresh air, working in FS I know that can be hard to come by! Customer service is outstanding, never had many problems anyway that I have needed help with, and when I do they help in every way possible, and it is always a simple experience and fixed then and there when it is convenient for me. Fantastic bank, great company, and a role model for the big 5 that they should really be looking up to! Reviewed on: 14th January 2019

Banking made fun

Great concept. Great UI. Never really focused much on banking before, but the features of Monzo are unrivalled. Customer service is always helpful as far as banks go. Overdraft features can be costly, but think of it as investing into Monzo, to help them grow and expand their product range. UI is amazing, instant notifications, everything is easy to understand. Bill splitting, and budgeting is good, especially with the link to send to other people to receive payments! Heading in the right direction, as a student who's just finished university, I now take my finances much more seriously than ever before (whilst having fun and a better understanding). Just the reporting to the 3 CRA is needed! Reviewed on: 14th January 2019

Monzo

Show the big banks how banking should be done.... Customers first Reviewed on: 14th January 2019

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