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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19406 reviews)

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4.85

Based on 19,406 reviews, last reviewed 29th May 2026

21% increase in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Nothing but amazing Monzo have been an amazing bank since the start, especially after a RTC which cause lengthy overdraft issues they where understanding and helped fully... Read more Reviewed on: 29th May 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 (19406)

Monzo changing the way we bank

Love monzo. All banking done through the app, you can freeze and defrost your card whenever you need to and are notified when any transactions go through Reviewed on: 8th January 2019

Couldn't ask for more

Absolutely amazed with Monzo and it has really helped me to look after my finances properly. I use it for everything now and wouldn't go back. I have recommended it to everyone. Reviewed on: 8th January 2019

Best bank ever

Truly amazing! The customer service offered by Monzo and the intuitive app makes it simple to use, as well as fun and interesting. Reviewed on: 7th January 2019

A great, user-friendly and efficient experience

Myself and my partner recently moved to London together. When we were looking for a property to rent and sourcing utility suppliers we thought it would be best to get a joint account. We tried to use Barclays and Santander (as we both have current accounts with them), however they both made us feel like this process was extremely complicated with a long winded process, and ultimately we felt like they didn't even want our business. Barclays offered us a 2 week wait until we could meet with someone from their team to apply, and Santander rejected our application without giving any reason or remedy. We contacted Santander via telephone and in-bank but they would not give us the answers we needed to progress with our application. In steps Monzo to save the day! We were both also current account customers with Monzo, having used them previously when travelling abroad. Setting up a joint account took 10 minutes using the App, and our cards were dispatched and received within 3 days. This has made our lives so easy, as we can clearly see what we have going in and coming out of the account and when. This makes is great for budgeting and lets us know where we are financially every month. Without having ever spoken to someone at Monzo directly, the ease of process and the helpful App make us feel like our business if valued, I would 100% recommend them to friends and family. Reviewed on: 7th January 2019

UKs Best Current Account

Monzo is not just another FinTech Start-up, it is a fully fledged, customer-centric modern Bank. Since joining Monzo in September 2016, I have watched Monzo grow exponentially in size. With thousands of sign-ups every day, they are slowly beginning to start the domination of UK banking. Everything about Monzo is intuitive and user-friendly. From their easy-to-use pots, to their INSTANT payment notifications and responsive 24h support. I support Monzo and promote it whenever I have the chance. Monzo has changed the way I Bank, and I am sure it will change for a whole lot more people in 2019. #Monzo Reviewed on: 7th January 2019

Excellent Customer experience

They really care about Innovation, ease of use and making banking for their customers more efficient. Reviewed on: 6th January 2019

Up to date Balance

Great account, where your balance is up to date as soon as you make a payment. No need to wait days to see your current balance. An amazing app and a fun and bright card. Reviewed on: 5th January 2019

Pioneering for online banking

So convenient and easy to use in any country Reviewed on: 5th January 2019

Easily the best bank in the UK right now

Monzo is the only bank I know that actually makes banking so much easier. The whole experience of the app features, customer service, community, and continued improvements to the service make it a positive experience from start to finish. Even simple things like immediately knowing when money enters or leaves your account is something that I can't imagine not having now. Thanks to Monzo, even I can save money now! Reviewed on: 5th January 2019

Love the pots feature for saving

Great service instant notifications and easy to budget Reviewed on: 5th January 2019

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