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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (18205 reviews)

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4.93

Based on 18,205 reviews, last reviewed 1st Mar 2026

48250% increase in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Love Monzo. Love Monzo. Helps me track my expenditure, put money aside in different savings pots through different challenges as well as so much flexibility in po... Read more Reviewed on: 1st March 2026

Latest lowest rating:

1

Been banking for a while with numerous banks but ti... Been banking for a while with numerous banks but till date I only faced an issue with Monzo who froze my account. Lots of frills but lacks confidence ... Read more Reviewed on: 25th February 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.

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 (18205)

Review of the Monzo, Current account:

The. Best. Overdraft/Loan. Experience. Ever!

Already a fan of Monzo the experience from the angle of managing my overdraft and its usage, right down to the clarity of how its Loans are presented and booked into - it’s just second to none. Nothing is pushed on you and the terms are clear and fair. Moreover as a Premium user I love how my credit score shows up in the app - with a monthly update reminder that highlights the causes for any drop or increase. This is excellent and a great awareness grower for those using credit. In fact it has motivated me to stay out of my OD. Hats off Monzo! Reviewed on: 14th June 2021

Fabulous!

Easiest app, great features, good products. Love it! Reviewed on: 20th February 2026

A Smooth and Modern Banking Experience

I’ve had a great experience with Monzo. The app is easy to use, transactions update instantly, and budgeting tools like savings pots make managing money simple. Fast notifications and helpful customer support make it a reliable, modern banking option. Reviewed on: 20th February 2026

Tech First, Fun and Easy to Use

Love the user friendly nature of the app, making it easy to manage my money and see everything clearly. Monzo Plus is great as you get additional perks and can link all other bank accounts. Also loving the gamification factor of the savings challenge and salary winning scheme. Reviewed on: 20th February 2026

8 years and still in love

They're my main bank, I've been with Monzo for 8 years now and they never let me down. I have absolutely no complaints, only the best experience with every part Reviewed on: 20th February 2026

Best bank ever!

Best bank ever! Easy to use, app actually built around users, and excellent customer service. Reviewed on: 20th February 2026

Banking That Actually Feels Built for Me

I’ve banked with Monzo for years and it’s completely changed how I manage my money. Everything is instant, intuitive and genuinely helpful. Real-time notifications mean I always know exactly what I’m spending, and the categorisation makes it effortless to track where my money goes each month. Features like Pots have been a game changer for budgeting and saving, being able to separate bills, holidays and everyday spending removes so much stress. Setting up direct debits, freezing and unfreezing my card, and tracking subscriptions can all be done in seconds in the app. No waiting on hold, no paperwork, no hassle. What really stands out is how transparent and customer-focused Monzo feels. There are no hidden surprises, the app explains things clearly, and support is quick and human when you need it. It’s not just a bank account, it’s a tool that helps you feel in control of your finances. Monzo has made banking simpler, smarter and honestly a lot less stressful. Reviewed on: 20th February 2026

Fantastic bank with fantastic innovative features

Fantastic bank with fantastic innovative features Reviewed on: 20th February 2026

Perfect online bank

I moved to the UK and needed a quick, reliable bank that also helps me quickly get set up and follows me along my frequent trips abroad. With is user-friendly app and no exchange fees, Monzo really delivered! Reviewed on: 20th February 2026

Greg @ Monzo

Monzo is fab, great customer service and really easy to use. PS. Greg made me do this Reviewed on: 20th February 2026

Excellent service, professional support!

Excellent service, when there has been any questions or queries everything has been handled professionally and quickly. My only slight issue is the fact that you have to pay for the higher level accounts to get the better savings interest rates which I don't feel is fair. Reviewed on: 20th February 2026

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