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Monzo: Current Account reviews

Name: Current Account
Rating: 4.93 (17224 reviews)

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4.92

Based on 17,224 reviews, last reviewed 6th Dec 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Good bank in mobile application. Very good start ,good bank, good application in mobile. Reviewed on: 6th December 2025

Latest lowest rating:

1

Account Clouser Monzo decided to close my account In September 2025, and they informed me about this in July 2025. They refused to give me any reason as to why they w... Read more Reviewed on: 26th September 2025

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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.

Monzo Current Account reviews (17224)

Review of the Monzo, Current Account:

Best UK current account by far - faster, slicker, more innovative and transparent than everyone else.

Monzo... where to start?! They've consistently raised the bar for every aspect of what a bank should be for me, to a level higher than even the other challenger banks. They first won me over by offering instant, detail-filled notifications about everything which happens on my account (not just payments, but verifications, refunds, declines, fees etc.) - telling me things like the decline I just had was because I entered the wrong CVV! Then, they built more features on top of the platform (e.g. savings pots which you can specify certain direct debits to come out of, etc.). Then they launched overdrafts and loans, both of which I've not used and have found a very smooth user experience with no delays at any stage of the process. I should note, that while my Monzo is my main account for my salary and almost all bills, the card I spend with regularly is my Curve card (which usually spends directly from my Monzo, but gives me unique things which only Curve can do) - Monzo and Curve are my two most loved fintech products. Right from the start, Monzo have been more transparent and communicative as a company than almost any other company I know, even outside of the finance and technology areas! For example, their easy-reading but super-detailed "Making Monzo" blog is a goldmine of interesting insights and technical expertise which shows how incredibly talented their team are, and builds up my trust in them massively as the kind of company I want to deal with. When things go wrong at traditional banks, they keep it quiet at all costs, sweep it under the rug, downplay it and lie about it to stop people worrying. Half of the time, when things go wrong at those banks, you don't even know it! Your expectations are actually so low of what service you receive (e.g. transactions taking days to fully complete, no banking at the weekend or even overnight...), that they actually have quite a lot of time to fix things quietly in the background without telling you. However with Monzo, when things go wrong they immediately tell everyone about it, scramble to fix it, then afterwards write up a super detailed blog post explaining exactly what went wrong (in all the gory technical detail) and what they're doing to make sure it never happens again. Now THAT is what I want from my bank, and in that area of transparency, Monzo are a million miles ahead and leading the pack. I can only hope they are as successful as they deserve to be, and their company culture is around for a long time. <3 Reviewed on: 3rd January 2020

Changed the way I look at money, they are supportive...

Changed the way I look at money, they are supportive, have improved my credit and I can’t image being with another Bank Reviewed on: 17th June 2025

Monzo for fraud protection

I was recently the victim of fraud. Four of my banking apps were accessed by the thief. Monzo was the only one to prevent any fraudulent transactions. They were also the first to get me set up again with a new, safe app and a new bank card. Bravo Monzo! Reviewed on: 16th June 2025

Excellent bank, so easy to use and great when travel...

Excellent bank, so easy to use and great when travelling abroad. Saving's account is super as well. Reviewed on: 15th June 2025

Perfection!

I've been with them for a few years now and the have been the most helpful bank I've been with baring in mind they don't have branches! Reviewed on: 13th June 2025

New Monzo customer

I recently opened Monzo account and have fallen in love with it. I actually moved most of my savings there now as they have competitive interest rates and I love the saving pots options. I also like the option to set your safe places and the fact that you can invest the money you get from the interest on your saving accounts. Reviewed on: 13th June 2025

Simple UI/UX and instant transactions

Simple UI/UX and instant transactions Reviewed on: 13th June 2025

Straightforward and customer-friendly

Very easy to navigate the app, offers cashback and pots, which I enjoy using, and their customer service is brilliant. Also, I appreciate paying abroad without any extra fees, as I travel a lot Reviewed on: 13th June 2025

I like Monzo's ethics, and their products are easy t...

I like Monzo's ethics, and their products are easy to use. Their app is well-designed and I like their recommendations for savings. Reviewed on: 12th June 2025

I love the pots - completely changed how I budget

I love the pots - completely changed how I budget Reviewed on: 12th June 2025

Super quick to setup account online with a fantastic...

Super quick to setup account online with a fantastic number of account options and settings. So intuitive and easy to use, great benefits and visually stunning. Reviewed on: 12th June 2025

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