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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

60% 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)

Great all rounder

I can’t fault Monzo at all. It’s my favourite bank. I use it as a hub for all my banking and I love all the constant new features and clean design. I love how it helps to manage my money as well and the Perks tier is great value for money Reviewed on: 22nd January 2026

Monzo the bank for getting to grips with your finances

Monzo really makes looking after my finances easy and less intimidating. The layout is easy to navigate. It is simple to understand and makes me want to be better with my finances. The perks are great value for money. The initiatives like the 1p challenge and savings options are great and make banking interesting. Reviewed on: 22nd January 2026

Such an incredible, innovative bank.

Such an incredible, innovative bank. Great user interface and perks plan is well worth the monthly payment. Reviewed on: 21st January 2026

Best account to use

It’s good for daily spending and good for budgeting. Reviewed on: 14th January 2026

I wanted to send £1000 to a friend in Dubai to buy C...

I wanted to send £1000 to a friend in Dubai to buy Christmas presents for friends, Monzo flagged this a scam, I had about £25000 in my account. They asked for access to my social media as proof I knew this person. After I jumped through all the hoops and there was a lot, including wanting copies of my other bank account statements. They still said I couldn't spend my own money. They then closed my account. What sort of bank can decide who or what you can spend your own money on. Now I'm with a much better online bank that actually has much better features. Reviewed on: 12th January 2026

Good bank in mobile application.

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

first of all I am not good English speaker, but I tr...

first of all I am not good English speaker, but I try to do my best.. I sent money on weekend 2;30 am In the morning to wrong account number..I didn't know what to do. I just sent them a simple text and I told them What I have done by mistake..they immediately responded and they Refund money into my account less than 5 minutes They are number one in the world for the banking system and service..I love you monzo.. Thank you Reviewed on: 17th October 2025

My experience with Monzo has been brilliant honestly...

My experience with Monzo has been brilliant honestly and I like the fact that it notifies me every time I use my Monzo card and also when I get sent money, so I really do love Monzo Reviewed on: 1st October 2025

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 were going to close my account! I asked for my data from the bank, and they informed me that it will take a month for them to get my information to me (this was back in July). We are now at the end of September 2025 and I have still not received my data from them. I have provided everything to them as asked to identify myself etc etc and they are still delaying for me to receive my data. It's like they don't want to give it me and are making up excuses! Every time I call them, I am talking to different team members and have to repeat my story multiple times too (even getting through to someone is a mission). The Monzo Customer Service is terrible!! Reviewed on: 26th September 2025

Monzo is a very supportive and is a great bank

Monzo is a very supportive and is a great bank Reviewed on: 8th August 2025

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