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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,432 reviews, last reviewed 30th Sep 2026
96% decrease in 5 star reviews
in the past 90 days
33% 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

Love Monzo, but the Max phone insurance is a let down I’ve used Monzo as my main bank for pretty much the entire time I’ve lived in the UK and have always had a really positive experience with them. I lik... Read more Reviewed on: 30th September 2026
Sebastian Orbe's avatar
Sebastian Orbe
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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 (19432)

Excellent app and great benefits

5
Excellent app and great benefits Reviewed on: 9th February 2026
Alan Y's avatar
Alan Y

Monzo all the way!

5
The only current account I have. They are absolutely excellent at every aspect of banking and highly worth the upgrade to Monzo Max. Easy to use, good offers, customer service is excellent and efficient, couldn’t ask for much more. Reviewed on: 9th February 2026
Lucas P's avatar
Lucas P

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

5
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
Dean r's avatar
Dean r

Highly recommend this bank

5
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
Ang G's avatar
Ang G

Great bank big fan of Monzo.

5
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
Dan K's avatar
Dan K

Great assistance

5
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
Anonymous's avatar
Anonymous

Smart, Simple, and Genuinely Motivating

5
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
Nadiia Hutsyna's avatar
Nadiia Hutsyna

Above and beyond

5
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
Sarah H's avatar
Sarah H

Easy to save money.

5
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
Alice M's avatar
Alice M

Monzo quite literally changed my view of banks.

5
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
Lorna Umolu's avatar
Lorna Umolu

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