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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)

Best Bank I've Ever Used!

I've been using Monzo since the beta days, it's been a phenomenal journey, I've loved every step of the way! :) It started off with just me and now a handful of my colleagues and half a dozen family members & even extended friends have seen the value of Monzo. Their transparency and receptiveness to feedback is 2nd to none! I know that there have been decisions influenced on what I've fed-back as a customer and the feeling of a suggestion being taken on-board and furthermore taken seriously is fantastic. Monzo continue to strive towards perfection, constantly iterating on features whilst sharing updates along the way... They just can't be beaten. The app is easy to use and offers everything you could hope for. Plus the staff, they're some of the most helpful and knowledgeable people I've ever had the pleasure of talking with. Reviewed on: 6th November 2018

The perfect bank

Amazing bank, Monzo just does everything so well, from customer support to instant notifications. Makes banking a delight everyday :) Monzo manages all my finances, personal & joint, having this visibility over everything in a single place is amazing. Monzo also provide transparent details of events and things they are doing, really helps build trust unlike all other banks. Reviewed on: 6th November 2018

Perfect for students

Use it for limiting spending when out at clubs as I put what I want to spend on the account then I can’t spend much more and their free overdraft under £20 is helpful for when you’ve spent a little too much but prevents card being declined. Reviewed on: 6th November 2018

Fantastic bank.

Love everything, Monzo is the future! Reviewed on: 6th November 2018

The future of banking

Starting from their user first approach, how they tackled problems left unchanged for a decade and helped users to save money and end debt, Monzo is not only the best bank but the best personal financial advisor. Reviewed on: 6th November 2018

Amazing bank that really cares

They truly go above and beyond and don't just think about making a profit. It's the first time I've learnt so much about finances off the forum and the support from the community and staff is truly amazing. Recommend it to everyone sick of legacy banks. I budget and save so much better too. Reviewed on: 6th November 2018

Fantastic current account with unbeatable transparency

Monzo go above and beyond by being incredibly active within the community, keeping in contact with its customers through every social channel possible. They are always happy to take on feedback, something I've never seen another bank do. Reviewed on: 6th November 2018

Super transparent, kicking the legacy ones out of the water

Been a user since April 2016, and have never looked back. Reviewed on: 6th November 2018

Disappointing

Started off great, but recently support has gone downhill and the app is more and more unfinished. Features are just rushed out. The Monzo Care has gone. Reviewed on: 6th November 2018

Excellent provider, being let down by explosive growth.

When I first created my account, it was wonderful. My card came quickly, and their app works really well. Unfortunately, their recent explosive growth has caused support times to decrease dramatically. However, they're still amazing and are still the best bank by a large margin. Reviewed on: 6th November 2018

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