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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 23rd May 2026

63% increase in 5 star reviews

in the past 90 days

220% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Financial Freedom I switched to Monzo this year and it has been absolutely the best thing in terms of visibility and management of my finances, not just across my Monzo... Read more Reviewed on: 23rd 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 (19407)

After having a recent trip to America the use of mon...

After having a recent trip to America the use of monzo was second to none also the savings challenge is excellent Reviewed on: 9th February 2026

Highly recommend this bank

Monzo is easy to use. It has features which help me organise my money giving me less stress. The pension finder was outstanding and I enjoy the investment part so I can see how my money is working for me Reviewed on: 9th February 2026

Great bank big fan of Monzo.

Great bank big fan of Monzo. Easy to use, good saving rate and fan of the plus membership I have used for 6 months and am really happy so far with the service provided the interest rates on savings are good Reviewed on: 9th February 2026

Great assistance

On the few occasions when I needed Monzo's assistance, they were always very attentive and solved my issues quickly, without creating obstacles or difficulties. Reviewed on: 9th February 2026

Smart, Simple, and Genuinely Motivating

I’ve been using Monzo as my current account, and honestly, it’s one of the best banking experiences I’ve had. I really love that Monzo is fully online and gives me complete control over my money in a very clear and intuitive way. Everything is easy to find, easy to understand, and fast to manage — no unnecessary complications. One of my favourite features is the savings tool that starts with tiny amounts and gradually increases day by day. Beginning with just pennies might sound small, but it’s incredibly motivating. It turns saving money into a habit rather than a struggle, and it actually works. The app itself is beautifully designed — clean, modern, and pleasant to use. Transactions update quickly, spending is easy to track, and the notifications make me feel informed without being overwhelmed. Card delivery was fast and smooth, and overall everything with Monzo just feels efficient and well thought through. You get the sense that it’s a bank built for real life, not paperwork. Monzo makes managing money feel simple, calm, and even a little bit enjoyable — which is not something I ever expected to say about a bank. Highly recommended. Reviewed on: 9th February 2026

Above and beyond

I have now moved out main account over as the service I received on my own account was outstanding. They have gone above and beyond to listen to what consumers want and need. Reviewed on: 9th February 2026

Easy to save money.

Easy to save money. Good savings pots and ISAs. Been able to save up for a deposit fast. Credit score in one place Reviewed on: 9th February 2026

Monzo quite literally changed my view of banks.

Monzo quite literally changed my view of banks. I've been a member for over 5 years and managing my finances has been a breeze thanks to Monzo. For the first time in my life I have savings, using a mix of pots and savings accounts. I am a perks member and enjoy a free treat from Greggs, cinema tickets once a month and other perks. I get cashback when I use one of the cashback offers and it's paid instantly, no waiting for weeks or months. I use the round up feature for investing and have currently got 2 savings challenges running. I am a Monzo super fan for sure. Reviewed on: 9th February 2026

I am so happy with monzo bank account so very good a...

I am so happy with monzo bank account so very good and excellent service Reviewed on: 9th February 2026

Easily my favourite 'new bank' account

I have a number of 'new bank' accounts and Monzo's offering is by far the most featureful, polished, flexible and beneficial to me financially. Reviewed on: 9th February 2026

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