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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)

Great bank

Allows me to track spending so easily and to organise my finances Reviewed on: 9th November 2018

so quick and simple

The app is great, does everything i need it to and transactions turn up so quickly. The verification on my hpone is great too, makes me feel safer shopping online. i like the pots too. Reviewed on: 9th November 2018

Easy, instant information

So easy to use live chat, so great to get immediate payment notifications on my phone, everything just works Reviewed on: 9th November 2018

Monzo is amazing for anyone terrible at budgeting

Monzo has been a great account for anyone challenged by budgeting. Reviewed on: 8th November 2018

Simply fantastic

Love that I can access this purely online/on my phone as a busy person. The information provided on each one of my transactions helps me budget and keep track of my spending. The bill splitting function is great, and the overall application process is practical and easy. Reviewed on: 8th November 2018

Super easy and intuitive, app-powered.

Chose these guys 18 months ago and have not looked back. Its what a bank looks like when re-imagined, it's app based which is not unique. But its 100% app based, so fast. Customer service is chat based, splitting bills, requesting payment, notification feeds of even why a transaction didn't go through like when I get the CVV number wrong. I never have to call anyone, it's free ( although I appreciate that I will need to pay eventually) and even when I go abroad I use the card at fair exchange rate. I can even upload a photo to be an an icon for all the places where I spend money. Its superb. Reviewed on: 8th November 2018

Brilliant

Easy to set up and easy to manage Reviewed on: 7th November 2018

Amazing financial service

Easy budgeting and management of money with a clear app Reviewed on: 7th November 2018

Wonderful for the moment

I enjoy the app, trust the instant notifications, the super swift customer help - not only that but the almost immediate refunds from shops when my card was stolen, Monzo dealt with it very simply and I was super grateful. I often recommend it to friends but I'm curious about why Starling Bank is also seen as so consistently good. Hands down, beats my old high-street bank, but I do wonder how they can keep getting better and what the future holds... Reviewed on: 7th November 2018

Best app in the UK

I've tried Sandander, but also Starling Bank. Monzo, for me, is number 1. Reviewed on: 7th November 2018

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