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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
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0%
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0%
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1%

Latest highest rating:

5

Great app and easy to use with lots of different fea... Great app and easy to use with lots of different features! Reviewed on: 6th September 2026
Stuart McCune's avatar
Stuart McCune

Latest lowest rating:

1

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
DreadHead87's avatar
DreadHead87
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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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Monzo Current account reviews (19431)

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

4
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
Vincent Hahn's avatar
Vincent Hahn

Fixing my financial life

5
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
Jonny's avatar
Jonny

Simply the best

5
Fantastic customer support, instant notifications. Reviewed on: 24th January 2018
Terry's avatar
Terry

Best bank I've ever used

5
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
Allie Uhde's avatar
Allie Uhde

The Future!

5
Simply the best banking app that I’ve ever used, clearly only getting better. Reviewed on: 21st January 2018
Paul Etheridge's avatar
Paul Etheridge

Great Bank not traditional

5
Instant notifications and easy to understand spending habits make these better than traditional. Reviewed on: 21st January 2018
Kyle Barnett's avatar
Kyle Barnett

Convenient banking!

5
Very easy to see recent transactions and so many things that I can do on the app that other traditional banks don't offer. Reviewed on: 20th January 2018
Lucy's avatar
Lucy

Awesome

5
Awesome innovative features and lovely UK-based customer service. Highly recommend! Reviewed on: 20th January 2018
Andre Borie's avatar
Andre Borie

MONZO FOR THE WIN

5
Having used both Monzo and Starling for me Monzo prevails in almost everyway. Starling is 2 years old than Monzo and already Monzo is being compared with Starling . The pace in which Monzo is developing is fast and impressive! Monzo is very transparent about what they'd like to achieve and when and encourage community members to join in on the debate . I don't get a community feel from starling or any other legacy bank I've had! All I can say is 2018 watch Monzo develops and be apart of the growth ! Reviewed on: 20th January 2018
BLACK LIGHTENING KAHS's avatar
BLACK LIGHTENING KAHS

There is always Pepsi but Coke is better

2
Johnny come lately riding on the coat tails of fee free overseas cash. The current account is far from developed and hasn't really moved on from the pre paid card. Reviewed on: 20th January 2018
KR's avatar
KR

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