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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,432 reviews, last reviewed 30th Sep 2026
96% decrease in 5 star reviews
in the past 90 days
33% 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

Love Monzo, but the Max phone insurance is a let down I’ve used Monzo as my main bank for pretty much the entire time I’ve lived in the UK and have always had a really positive experience with them. I lik... Read more Reviewed on: 30th September 2026
Sebastian Orbe's avatar
Sebastian Orbe
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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 (19432)

I have banked with Monzo since 2018 and never had an...

5
I have banked with Monzo since 2018 and never had an issue. It’s easy straightforward banking. Reviewed on: 9th February 2026
Lisa H's avatar
Lisa H

Monzo credit card life me Monzo bank account number...

5
Monzo credit card life me Monzo bank account number 1 good me simple Reviewed on: 9th February 2026
Naseri 's avatar
Naseri

Excellent all round account which allows saving pots...

5
Excellent all round account which allows saving pots, links other cards and mortgage. Gives credit score advice too. Reviewed on: 9th February 2026
Lisa M's avatar
Lisa M

I have had the best experience banking with monzo fr...

5
I have had the best experience banking with monzo from there pots you can create to seperate things and to there savings with Interest love this bank Reviewed on: 9th February 2026
Sara's avatar
Sara

Monzo is an incredible bank!

5
Monzo is an incredible bank! Really supported me in getting used to finances and also offers great deals. Monzo is also amazing for managing your money and keeping it all organised. Highly recommend! Reviewed on: 9th February 2026
Ellie's avatar
Ellie

Monzo is the best bank I have ever had.

5
Monzo is the best bank I have ever had. There is such a personal experience everytime with this bank. They also give you chances that ither banks wont to prove that you are a valed person. Absolutely outstanding products. Love my overdraft as it is great for thise extra big purchases or even little emergency ones. Also the Flex credit card is such a great facility. The 1p challenge is an awesome way to save little by little. Reviewed on: 9th February 2026
Fearlessrwh's avatar
Fearlessrwh

fantastic service above and beyond banking

5
fantastic service above and beyond banking Reviewed on: 9th February 2026
hidden's avatar
hidden

10 stars! Best bank account

5
Use MONZO as my main current account - it’s brilliant! The app is the best out there and the features are great - Pots, connected bank accounts, cashback on subscriptions etc. the app is so good I love to check it each day to see how saving goals are doing and if there are new cashback offers I need to select. Best bank by far! Reviewed on: 9th February 2026
Rosalyn's avatar
Rosalyn

Banking Done Right: Why Monzo Sets the Gold Standard

5
Honestly, it’s hands-down one of the best banking experiences I’ve ever had. Everything just works. The app is slick, fast, and actually makes managing money feel easy. Instant notifications, clear spending breakdowns, pots for saving, and budgeting tools that don’t make your head spin — it’s like Monzo actually understands how real people use their money. Customer service deserves a shout-out too. When you need help, you’re not stuck in a phone-queue purgatory listening to hold music from 1998. Support is quick, friendly, and genuinely helpful — a rare treat in banking. What really sets Monzo apart is the transparency. No confusing jargon, no sneaky fees hiding in the shadows, just clear communication and total control over your finances. Freezing a card, tracking payments, splitting bills — all done in seconds from your phone. In short: Monzo has turned banking from a chore into something effortless and modern. If all banks worked like Monzo, we’d complain about banking a whole lot less. Five stars, zero hesitation! Reviewed on: 9th February 2026
shaunpowell's avatar
shaunpowell

Great perks, great customer service when contacting...

5
Great perks, great customer service when contacting them. Reviewed on: 9th February 2026
Terri S's avatar
Terri S

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