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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19408 reviews)

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4.85

Based on 19,407 reviews, last reviewed 26th May 2026

23% 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

Really easy to use. Really easy to use. Comes in handy for putting cash in account. No need to go to a branch you can just do it at your local store with pay point machin... Read more Reviewed on: 26th 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)

Couldn't ask for a better bank.

Transparent, functional, friendly and fully featured. Monzo is an absolute joy to use. I couldn't ask for more! Reviewed on: 7th November 2018

The Pinnacle of 'App Based Banking'

Monzo is the kind of company that 'listens' to it's customers and actually publishes that it is indeed listening. It then holds itself 'accountable' to certain timelines by prioritising customer requests. These are voted for by the outstanding forums- and it truly feels like this is (smart) 'community led banking' for this generation. The best recommendations are word-of-mouth and truly, I have been an ambassador (for free!) to herald Monzo's app and service structures. Give them a try- you will definitely switch to this enhanced way of banking. Reviewed on: 7th November 2018

Informative, Real Time, Fun

Monzo has changed the way I do banking, and the way I manage my money Living on a tight budget means every penny has to be accounted. With real-time spending tracking, I know my exact balance the second I spend something. No more waiting 3 days and second guessing. They're also really open and transparent. Every issue they come across is explained and communicated to members. Even ones that they could perhaps keep to themselves. Their support team is readily available and always accessible 24/7 Reviewed on: 7th November 2018

Best banking money can get

With the Monzo app everything you need to know about your money is in one place. What is currently in your account, budgeting to savings all in one convenient place. It makes life easier to manage money as it should do rather than going out of your way. Reviewed on: 7th November 2018

The future of current accounts

Incredibly straightforward to use Reviewed on: 7th November 2018

Amazing

Easy to use, brilliant app, always listening to its customers and improving the app. Reviewed on: 6th November 2018

Very poor. They think they're much better than they are.

Very poor. They think they're much better than they are. Reviewed on: 6th November 2018

Switched months ago and havent looked back since

When Monzo introduced Apple Pay earlier in 2018, this was the tipping point for me to fully switch my current account over. Monzo makes banking completely hassle-free and their app is how a banking app should work in 2018. They’re always innovating and introducing new features that continue to put them well ahead of legacy banks. I’d highly recommend Monzo to anyone. Reviewed on: 6th November 2018

Easy, fresh and up to scratch for modern day living.

Monzo really works so well alongside busy lives. It's so easy to see what you've spent, what you have left and where you might be going wrong with your spending. Sticking to a budget has never been easier for me - I can categorize my spending and analyse my finances quickly. I can see in real time what is happening, without having to find my 7 access codes for old school online banking to only see transactions from a week ago. Excellent service. Reviewed on: 6th November 2018

Best budgeting current account

Monzo is just superb, top customer service and great tools for budgeting. Reviewed on: 6th November 2018

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