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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19403 reviews)

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4.93

Based on 19,403 reviews, last reviewed 5th May 2026

3173% 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

I’ve had a really positive experience with Monzo. I’ve had a really positive experience with Monzo. The app is intuitive and makes everyday banking simple, especially with instant spending notificatio... Read more Reviewed on: 5th May 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 (19403)

fantastic banking experience

Fantastic bank. Secure and modern. Very convenient and great functionality. Very happy with the experience. Reviewed on: 14th January 2019

Banking brought into the 21st century

Monzo makes banking simple and efficient. From the ability to instantly freeze or unfreeze your card in the app, to instant notifications for transactions. It makes money management a doddle. The budgeting tools, such as the summary page in the app make it quick and easy to figure out where all of your money is going and where you should probably cut back a little. Pots also aid my budgeting a lot, especially with their scheduled deposit/withdrawal. My bill management is now automated within my bank account. All of the money required for my bills gets locked away in specific pots on pay day so that I can't spend it. Then the money is automatically deposited back into the main bank balance on the days that my bills are paid. This has been a God send for me, someone who is extremely impulsive and struggles to stop myself using money that is needed for something already. The customer support is by far the best I have ever experienced anywhere, let alone from a bank. Chats with the support agents are casual, but professional and efficient. Most issues need to be handled through the in-app text chat, which may not be the ideal method of communication for some, but it's great for me since I suffer from horrid anxiety with phone calls. Mid to late 2018 Monzo did have some issues with under-recruiting support staff and at that time chat requests were sometimes taking days to receive a response. However, Monzo quickly responded by massively scaling up their recruitment program to get it under control. Once support requests were back under control, they explained what went wrong, what they had learned and what they would do to improve. This is a perfect example of the level of transparency that Monzo maintains. But aside from that blip in Monzo's forecasting, the longest I have waited for a response from support on the in-app chat is about 20-30 minutes and issues are often resolved in under 10 minutes after receiving the first response. Reviewed on: 14th January 2019

Innovative

Followed Monzo since it began though I didn’t join at first. Having watched for a while jumped bank and Monzo is my main bank l Reviewed on: 14th January 2019

Easy to use and simplifies banking

Easy to use and simplifies banking. Instant transaction notifications the biggest draw Reviewed on: 14th January 2019

Monzo is great.

Great bank. Great for travel. Best customer service. Reviewed on: 14th January 2019

Brilliant Bank

Brilliant bank, great values. Customer not number. Reviewed on: 14th January 2019

My favourite company let alone bank

I love everything monzo do and stand for! They are a great example of how a business should be run. Massive year for them this year to turn the company into a profitable one! Reviewed on: 14th January 2019

Best bank!

Best customer service I’ve ever experienced in a bank. Reviewed on: 14th January 2019

Makes managing money delightful

If you dreamt up the ideal bank account, it would look something like monzo. I've been with them since month 1 of alpha, and have had my salary paid in for more than a year. Couldn't ask for more, they are great. Reviewed on: 14th January 2019

Friendly, Transparent

Monzo are open and transparent about the product they're providing and care about the customer like no other bank does. I highly recommend Monzo. Reviewed on: 14th January 2019

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