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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19419 reviews)

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4.85

Based on 19,419 reviews, last reviewed 12th Jun 2026

61% 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

A great user experience! A great user experience! The ease with which I can move money between my account, savings, pots, and my children's accounts is much appreciated. It' c... Read more Reviewed on: 12th 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 (19419)

Honestly, outstanding!

I could not be happier with Monzo. So easy to use. I love having different pots to help with saving. Can keep track of what I’m buying and set limits. The Monzo team are so friendly and love feeling involved in the community. Love love LOVE! Reviewed on: 14th January 2019

Monzo is the future

Talk about being customer obsessed - these guys have revolutionised banking. Dare I even say it - they’ve made banking fun!!? Reviewed on: 14th January 2019

Brilliant Banking!

Don’t regret joining Monzo! Their saving pots are a great idea and are really making a difference to my spending and my saving! Reviewed on: 14th January 2019

Most satisfying banking experience

Monzo as a company have revolutionised banking for a modern age. They have made finance fun, and I enjoy banking with them. Reviewed on: 14th January 2019

Excellence

Ever since joining Monzo I've been shown just how enjoyable banking can be. From the small features such as rounding up spare change and putting it into a savings account to the info-rich transaction log, I'd fully recommend Monzo to anyone! Reviewed on: 14th January 2019

Monzo user from the beginning

I’ve been with Monzo from the beginning, joining in spring 2016. Finally a modern bank with a modern app, experience and infrastructure. I was first brought to Monzo because of the instant spend notifications, which at the time were rare with any kind of UK account. Since then, Monzo has been outstanding especially in terms of customer service. Using the in-app messenger, you can easily get support and in a much more comfortable way (calling is inconvenient and can be stressful) and receive a response within a few hours usually at most. Since then, Monzo has continually added new features and improvements. I started with pre-paid and moved my account to a current account as soon as it was available for testers. Simple things like having the senders bank details in the transaction make banking a lot easier, and Monzo has always been the fastest at transferring money. I have never waited more than a minute to send a faster payment whereas some other banks delay sending by up to a couple hours (and not transparent to the user) for “fraud” checks that seem to happen even to existing payees sometimes, very inconvenient. I use the payment splitting features on a regular basis to get paid and pay friends for small expenses. Monzo has matched and exceeded traditional banks in much less time. Reviewed on: 14th January 2019

A Brilliant Bank!

Love my Monzo account! All banks should be made this way! Reviewed on: 14th January 2019

Best banking ever!

The app works brilliantly and I love the in built budgeting feature. I've struggled managing my money before and since using Monzo I find actually budget so well that I have more money each month! Customer service is so quick, and all through the app too. Reviewed on: 14th January 2019

Fantastic bank

Amazing bank with an amazing experience. Really puts the big banks to shame. Reviewed on: 14th January 2019

Second to none

A company that truly cares about it’s customers needs. They continue to innovate and are pushing the boundaries of what personal banking can really do. Reviewed on: 14th January 2019

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