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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19408 reviews)

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4.85

Based on 19,408 reviews, last reviewed 29th May 2026

24% 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 (19408)

Works as a modern bank should

A bank account that actually offers a good user experience. The tools for managing money are useful, customer service is great, and the organisational transparency is refreshing. Reviewed on: 10th November 2018

Amazing

The app is super slick and intuitive. The instant notifications and card freezing are a God-send. The company is really transparent. Reviewed on: 10th November 2018

Brilliant

Overall a really great bank with lots the only bank has been able to make me change my main account Reviewed on: 10th November 2018

The bank of the future.

Managing money with the typical high street banks was way harder than banking needs to be. Monzo’s features made it easy to to keep on top of my finances, get out of debt, and start saving. Customer service is amazing if anything does go wrong or if you have any queries. Can’t recommend them enough. Reviewed on: 10th November 2018

Bank of the future

Seems clear to me that Monzo and other banks like it will replace the current system in the next few years. In my opinion Monzo is the most refined of these challenger banks too. Reviewed on: 10th November 2018

Already easy experience to use monzo

I have never had a current account that was this easy to manage Reviewed on: 10th November 2018

Changed how I bank

Everything is customer experience focussed, fast responsive and allowing me to understand my money better. Reviewed on: 10th November 2018

How banks should be in this age

Monzo is still relatively new, and coming out with updates and features regularly. Due to this there Mary be some things that are not currently available that are a standard elsewhere (payM for example). However, they are transparent and open and it is a refreshing change to have a bank ask the community what they want, and then strive to make it happen where possible. I also think that it's thanks to these companies (Monzo, Sterling etc) that the banking industry is finally being dragged into the 21st century. Reviewed on: 10th November 2018

What a bank should be!

Constantly innovating and bringing new ideas to an archaic industry. Barclays are currently advertising that you can freeze/un-freeze your lost debit card, through their app... Monzo had this feature YEARS ago. It does everything a 'traditional' bank does, and more! Reviewed on: 10th November 2018

The new banking

A great product and great community. Makes banking interesting again (and modern). Reviewed on: 10th November 2018

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