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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%
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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
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DreadHead87
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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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Monzo Current account reviews (19431)

My Bank in my hand

5
Everything just works so seamlessly on my phone - from opening an account, to downloading my card into ApplePay, to making payments and tracking my spending. I can do everything at the click of a button, and it's secure with TouchID, and never have to sign a piece of paper or phone my bank again! Reviewed on: 5th December 2018
Tim F-M's avatar
Tim F-M

The only current account I use!

5
After switching many moons ago now, I have little regret. Monzo are centring there beliefs, and developments around the customer. Such a useful current account that is simply getting better with time. Reviewed on: 4th December 2018
Tom Warren's avatar
Tom Warren

Great app, good international options, shame about the interest rate

4
I don't use Monzo as my primary current account, because my accounts with other banks give in-credit interest at a significantly higher rate than Monzo's savings pots, and without the need to wait 24 hours when withdrawing money from them. However, the app is first-class, giving far better performance than I've experienced with other banks, and getting the MasterCard base rate for currency conversions is very nice, as is being able to take out (some) cash abroad without being charged a fee. Reviewed on: 3rd December 2018
h0m54r's avatar
h0m54r

great modern account

4
It's a lot better than traditional banks in that I can see what i'v spent immediately (not the next working day - nothing is ever 'pending') and all of my spending is categorised so I can easily see what i'm spending my money on and how to budget. It also lets you save with 'pots' which are little savings accounts and I enjoy using the feature that lets me round up purchases to the nearest pound and the pennies go into the savings pot. They also offer a 1% interest pot if you deposit £1000+. The only reason I give it 4/5 is that they do not offer any interest or offers on daily use. Barclays for example have blue rewards that gives you £7 a month for a £3 fee if you have 2 direct-debits. Reviewed on: 3rd December 2018
david 's avatar
david

never had a single issue works flawlessly

5
Brilliant! completed switched over, havent looked back once Reviewed on: 1st December 2018
Lewis O Connor's avatar
Lewis O Connor

Banking Done Right

4
With their exceptional customer service Monzo are not just another bank and don’t do the ‘High Street’. Everything money and everything with your account is all in your pocket on your phone. Monzo is not just another bank. Monzo is a bank built for the 21st century and the future. Reviewed on: 30th November 2018
OfficialKILLICK's avatar
OfficialKILLICK

Best so far

5
I have experienced the best digital banking in the world, really proud of you guys Reviewed on: 30th November 2018
Giorgi Sosebashvili's avatar
Giorgi Sosebashvili

Great Bank

5
Listens to customers, really friendly customer support via chat, down-to-earth management. Exactly what you don't expect from a bank. Reviewed on: 30th November 2018
Kenny's avatar
Kenny

Love Monzo!

5
Before using Monzo I'd never really considered that my previous banking app was lacking - I was so wrong. I love the instantaneous balance updates, the money pots are great, as are the spending projections and the travel money feature. Reviewed on: 30th November 2018
emilyjs's avatar
emilyjs

A current which is moving with the times!

4
Since the launch of the current account, Monzo has been developing and implementing create features such as savings pots that roundup spending when using the Monzo card etc. The bank is also transparent about pricing as well as keeping customers up to date on what features it is developing for the near future. Customer service has been great, albeit they do take slightly longer to respond but I assume that is largely down to taking on a large number of new customers in a short space of time. Reviewed on: 30th November 2018
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Saj

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