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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%
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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 (19431)

Love everything so smooth and most importantly trans...

5
Love everything so smooth and most importantly transparent. Reviewed on: 15th April 2025
Cec's avatar
Cec

I've been with Monzo for nearly a decade and...

5
I've been with Monzo for nearly a decade I can safely say it's been a solid choice all this time. Switching over way back when was a piece of cake, and honestly, their app has just got better and better over the years. It's still the easiest way to keep tabs on my spending, those instant notifications are still a lifesaver, and seeing where my money's actually going is always clear as day. What's kept me around is how it just works. Setting budgets is still a doddle, and those little reminders are just as helpful now as they were at the start. And knowing I can freeze my card in a flash if I misplace it still gives me that bit of security. Even after all this time, dealing with Monzo has been straightforward. Their customer service has always been on the ball whenever I've needed them. For everyday banking that's consistently reliable and makes managing your money a proper breeze, Monzo's been the ticket for me for nearly ten years now, and I don't see that changing anytime soon. Reviewed on: 15th April 2025
West Country Kopite's avatar
West Country Kopite

Online services 10/10 needs more personal connection

5
I wish they offered a personal service incase anything did go wrong, but luckily never had a problem but services they provide are phenomenal Reviewed on: 15th April 2025
Shoulda's avatar
Shoulda

Monzo have high interest rates, clever ways to manag...

5
Monzo have high interest rates, clever ways to manage your account and are market leaders in what they do Reviewed on: 15th April 2025
Merri G's avatar
Merri G

Great spend tracking and interest rates

5
Lots of spending tracking available, it helps to keep on top of your finances! Pots are very useful for keeping away stashes of money and the interest rates are very competitive. Reviewed on: 15th April 2025
Jade Malda's avatar
Jade Malda

Helpful, professional and open and honest

5
Helpful, professional and open and honest Reviewed on: 15th April 2025
LaraS13's avatar
LaraS13

sent money it pending for 2 days

1
sent money, it “pending” for 2 days?? never had this w other banks. not trustable. Reviewed on: 15th April 2025
Titom j's avatar
Titom j

I got locked out my account for no apparent reason,...

2
I got locked out my account for no apparent reason, they said it’s just “checks” but no info was given. had my money stuck for almost month. never again. too much stress for a bank. Reviewed on: 15th April 2025
Miwola j's avatar
Miwola j

Easy to use

5
It makes it super easy to move money between pots and keep track of spending. Reviewed on: 15th April 2025
Sarah S's avatar
Sarah S

Absolutely love Monzo, it's a game-changer!

5
Love pretty much everything about Monzo, having used them since 2018. Amazing app, beautiful UI and makes everything super easy. Love the fee-free international card payments (initially why I joined). Support is an absolute game-changer (no phone calls & helpful in-app chat with a way nicer UX). Also love other handy features like pots, notifications, bill splitting, early salary payments and sending money to other Monzo users (without bank details). Also being able to view all older transactions and more flexibility with generating statements. Funny seeing the legacy banks suddenly play catch-up now while Monzo rapidly gains customers. However, I only use the free plan since I personally struggle to see the value in the paid plans. Another thing is that I still have to use my legacy bank for cheques - if Monzo supported that it's another reason not to have to use a legacy bank. Reviewed on: 15th April 2025
Ruben's avatar
Ruben

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