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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%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
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)

Great customer service after I reported a fraudulent...

5
Great customer service after I reported a fraudulent transaction, they investigated it very quickly Reviewed on: 23rd January 2026
Stuart Roberts's avatar
Stuart Roberts

The Bank That Actually Gets Me

5
Monzo has been a truly fantastic bank — and I don’t say that lightly. Unlike the high street banks that still feel stuck in a different era, Monzo actually adapts to how real people live. From Pots that keep my money organised without effort, to instant payments that just work, to little extras like gifts and cashback, it genuinely feels like everything is designed with the customer in mind. It’s the first bank I’ve used where I don’t feel like I’m “managing a bank account” — I’m just living my life, and Monzo quietly makes the money part easier. If a bank can feel human, this is it. Monzo isn’t just my bank — it’s like a friend in my pocket: reassuring when I need control, helpful when I need clarity, and always there in the background making things smoother. It’s banking that actually feels on my side Reviewed on: 22nd January 2026
Stuart S's avatar
Stuart S

Great modern bank, fantastic offers and incentives.

5
Great modern bank, fantastic offers and incentives. Easy to use, clear interface. Child bank account is brilliant. Very satisfied customers. Reviewed on: 22nd January 2026
Anonymous's avatar
Anonymous

I have been with Monzo for many years and they are p...

5
I have been with Monzo for many years and they are perfect in every way Reviewed on: 22nd January 2026
Daniel Mckeag's avatar
Daniel Mckeag

Wot a fantastic bank and get paid a day early so han...

5
Wot a fantastic bank and get paid a day early so handy to have Reviewed on: 22nd January 2026
Adam Sargent's avatar
Adam Sargent

Absolute ease to use.

5
Absolute ease to use. No regular bank jargon. All explained and dealt in simple plain English. Not pushy. Accommodative and more than anything, service tailored to individual need Reviewed on: 22nd January 2026
Vivek S's avatar
Vivek S

Any problems with my account are quickly identified...

5
Any problems with my account are quickly identified and dealt with correctly. Investment through the bank are dealt with successfully. Reviewed on: 22nd January 2026
John K's avatar
John K

These guys are bloody fantastic, from switching acco...

5
These guys are bloody fantastic, from switching accounts, to help dealing with fraud, to switching my pension over and also getting wages early. ( it helps these days ) and budgeting it’s a big deal for ordinary people to have a bank which deals with queries fast, and I wish I’d used them sooner Reviewed on: 22nd January 2026
David Wills's avatar
David Wills

Genuinely great

5
It’s such a good bank! Easy to use app, customer support chat has always been helpful & actually resolve the problems. Savings challenges have been a super helpful way to boost my savings, as have the easy to set up savings pots. Cashback offers are good & the perks available if you upgrade are actually good. Reviewed on: 22nd January 2026
K s's avatar
K s

Debanking by Monzo ruined my credit

1
Monzo notified me that my account was being closed, and they couldn’t tell me why. I was being “debanked”. Nigel Farage got a lot of press coverage when this happened to him. I appealed to them for consideration, but was told the decision was final and they wouldn’t tell me why. They even suggested they were legally unable to tell me why. While this was true if I was actually committing financial crime, the fact that they reviewed and overturned the decision means that was incorrect. Unfortunately when they reviewed the decision they failed to communicate that to me. I then went through with changing banks, which was incredibly disruptive. It also meant the automatic payment of my Monzo loan was disrupted, leading to me falling into arrears while I dealt with their customer service and the ombudsman. I was eventually awarded £500 compensation. They’ve now dicked me about some more, so I might go back to the ombudsman. Take this as a warning - don’t trust your entire financial life to a faceless institution where you can never truly engage with someone. Reviewed on: 22nd January 2026
Callum Leslie's avatar
Callum Leslie

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