Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

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%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
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
DreadHead87's avatar
DreadHead87
Read all reviews Write a review

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.

Review Monzo: Current account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Monzo Current account reviews (19431)

Monzo, money for the masses!

5
I have been using Monzo for over six months now and am delighted with their product and customer service. I like how all my payments come through easily and it easy to see how much money I am spending, helping my save in areas where I don't need to spend as much. Customer service is also excellent, I had a query about some Amazon payments and via live chat customer support were able to help very quickly and help me resolve the issue. Would highly recommend Monzo to anyone, especially if you are trying to get a better understanding of your finances. There are also no fees which is even better! Reviewed on: 14th January 2019
Harvey's avatar
Harvey

Security is the main reason I use this bank

5
I have control over my card i.e. I can lock it, disable / enable the magnetic stip. The app uses secure messaging. Reviewed on: 14th January 2019
John McAllister's avatar
John McAllister

Honestly, outstanding!

5
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
Lucy Dracott's avatar
Lucy Dracott

Monzo is the future

5
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
Sophie Greig's avatar
Sophie Greig

Brilliant Banking!

5
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
Markus's avatar
Markus

Most satisfying banking experience

5
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
Jsdtaylor's avatar
Jsdtaylor

Excellence

5
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
Sam Bishop's avatar
Sam Bishop

Monzo user from the beginning

5
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
randomstring's avatar
randomstring

A Brilliant Bank!

5
Love my Monzo account! All banks should be made this way! Reviewed on: 14th January 2019
Jonquil 's avatar
Jonquil

Best banking ever!

5
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
Rebecca Keegan's avatar
Rebecca Keegan

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from Monzo?

  • Flex Purchase credit card

    from Monzo 4.90 from 3189 reviews
    Monzo

  • Under 16s account

    from Monzo 4.89 from 946 reviews
    Monzo

  • Investments

    from Monzo 4.85 from 1152 reviews
    Monzo
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill