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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)

Functions and convenience

I find mobile only banks to be more convenient in everyday use than conventional banks and having accounts an a few of those I find Monzo the most comfortable to use. Reviewed on: 10th November 2018

Amazing

Using Monzo has changed the way I manage my money, and how I understand banking. Reviewed on: 10th November 2018

Banking made modern

They make money management so much easier. Their summary feature, which tracks committed spend and remaining funds until next pay for day, makes things so simple. No more spreadsheets! If only they paid interest and took "pots" balance into account before applying overdraft charges (like Starling). Same goes for ATM fees abroad. Reviewed on: 10th November 2018

Best thing to happen to banking

Amazing. Great product, great transparency, changing the industry for the better. Reviewed on: 10th November 2018

The future of Banking

These guys aggressively innovate and the customer experience is second to none relative to the incumbent banks. Reviewed on: 9th November 2018

Best bank Ever!

I really enjoy using Monzo as a full bank, its constantly getting their service better with "Making Monzo" as they are building it with their customers opinion. Reviewed on: 9th November 2018

It's a good alternative to high street banks.

I feel like the bank is more personal to me. I like that you can attach categories to bank transfers and the overall layout of the app is very nice. Reviewed on: 9th November 2018

Really disrupting the banking sector

What Monzo have done for the banking sector has been massive, they've kicked the likes of Barclays into developing their digital offer to customers - e.g you can now freeze your card and unfreeze when you want. These developments wouldn't have happened without Monzo Reviewed on: 9th November 2018

works for me

I love Monzo, its easy to use works well and covers all my needs. Reviewed on: 9th November 2018

Dynamic

Refreshing and delivers with verve Reviewed on: 9th November 2018

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