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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19407 reviews)

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4.85

Based on 19,407 reviews, last reviewed 4th Jun 2026

18% 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

Fab app, easy to use and manage finances The app is so easy to use, makes everything visible in one place and makes organising your finances a breeze Reviewed on: 4th June 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 (19407)

Human Banking

What banking should be, human, informative and the future! Reviewed on: 8th February 2018

Best ever bank

Who ever thought I could fall in love with banking Reviewed on: 8th February 2018

Best challenger bank

Amazing customer service, amazing product, have recommended to all my friends and colleagues. Reviewed on: 5th February 2018

:heart: it

10x better than lloyds and so helpful with customer services Reviewed on: 4th February 2018

Amazing card so useful app

Very useful app categorises my spending and shows me trends and recommendations Reviewed on: 3rd February 2018

Changed the way I see money

Very insightful and excited to see what is to come for Monzo! Reviewed on: 2nd February 2018

Great idea, but occasional reliability issues prevent full-on usage

App works well and got great usability. Launched Currents Account recently sparking further features. Very helpful customer service. So why 4 stars? The overall offering is still not as competitive as others (such as having multi-currency accounts) or offering interest on balance. Most importantly, they got repeat issues with cards not working. TL;DR: they're definitely spearheading the fintech revolution in the country and got a great package, but got some homework to do to ensure folks are not just using them as a "side-account" but making the full-on switch. Reviewed on: 28th January 2018

Fixing my financial life

The app is so well built (if still a little light on features - this changes on a weekly basis mind you) and really has made me realise how much unnecessary spending I was doing. So easy to budget and track my spending, send and receive money, and the look of the card is to die for! Reviewed on: 27th January 2018

Simply the best

Fantastic customer support, instant notifications. Reviewed on: 24th January 2018

Best bank I've ever used

Monzo has given me the experience I've always wanted banking to be. The customer service is top notch, and they have a friendly, active, open community. They clearly believe in doing things right for LGBT+ people (no gendering, no gendered titles, preferred name on card), and for everyone else too. They're open and honest when things go wrong, the card looks great, and the app is fast and works well. It's secure, but without layers of useless security theatre that just render many major banking apps unusable. A* and I'm excited for the future as a Monzo customer! Reviewed on: 23rd January 2018

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