Write a review

Monzo: Current Account reviews

Name: Current Account
Rating: 4.93 (17154 reviews)

View other Monzo products

4.92

Based on 17,152 reviews, last reviewed 20th Apr 2025

36850% increase in 5 star reviews

in the past 90 days

250% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Very interactive and easy to use. The bank app is very interactive and easy to use. Reviewed on: 20th April 2025

Latest lowest rating:

2

Tried monzo cuz everyone was talking about it but my... Tried monzo cuz everyone was talking about it but my onboarding got stuck and then app crashed on completion Reviewed on: 18th April 2025

Read all reviews See your review

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.

Monzo Current Account reviews (17154)

Review of the Monzo, Current Account:

Best UK current account by far - faster, slicker, more innovative and transparent than everyone else.

Monzo... where to start?! They've consistently raised the bar for every aspect of what a bank should be for me, to a level higher than even the other challenger banks. They first won me over by offering instant, detail-filled notifications about everything which happens on my account (not just payments, but verifications, refunds, declines, fees etc.) - telling me things like the decline I just had was because I entered the wrong CVV! Then, they built more features on top of the platform (e.g. savings pots which you can specify certain direct debits to come out of, etc.). Then they launched overdrafts and loans, both of which I've not used and have found a very smooth user experience with no delays at any stage of the process. I should note, that while my Monzo is my main account for my salary and almost all bills, the card I spend with regularly is my Curve card (which usually spends directly from my Monzo, but gives me unique things which only Curve can do) - Monzo and Curve are my two most loved fintech products. Right from the start, Monzo have been more transparent and communicative as a company than almost any other company I know, even outside of the finance and technology areas! For example, their easy-reading but super-detailed "Making Monzo" blog is a goldmine of interesting insights and technical expertise which shows how incredibly talented their team are, and builds up my trust in them massively as the kind of company I want to deal with. When things go wrong at traditional banks, they keep it quiet at all costs, sweep it under the rug, downplay it and lie about it to stop people worrying. Half of the time, when things go wrong at those banks, you don't even know it! Your expectations are actually so low of what service you receive (e.g. transactions taking days to fully complete, no banking at the weekend or even overnight...), that they actually have quite a lot of time to fix things quietly in the background without telling you. However with Monzo, when things go wrong they immediately tell everyone about it, scramble to fix it, then afterwards write up a super detailed blog post explaining exactly what went wrong (in all the gory technical detail) and what they're doing to make sure it never happens again. Now THAT is what I want from my bank, and in that area of transparency, Monzo are a million miles ahead and leading the pack. I can only hope they are as successful as they deserve to be, and their company culture is around for a long time. <3 Reviewed on: 3rd January 2020

excellent

Nothing comes near to what monzo provides Reviewed on: 18th April 2025

Great app, easy to use, wished the perks were better

Great app, easy to use, wished the perks were better Reviewed on: 18th April 2025

Genius and Simple

Added security, Gambling Block, are we calling you, are truly genius innovations. Investments, pensions, mortgage, everything couldn't be simpler. I have other bank accounts that use complicated language and difficult flows to offer relatively simple features. Not Monzo Reviewed on: 17th April 2025

Ukrainian choice of Monzo

Very similar to Monobank so familiar to use. Easy money transfer via Wize connected to Monzo, a useful feature indeed Reviewed on: 17th April 2025

Great way to use card abroad fairly.

Great way to use card abroad fairly. And i love that i can create different pots for my needs and save money with a good rate. Reviewed on: 17th April 2025

My favourite bank

Monzo is really easy to setup and use, their app is quick and easy to use, their push notifications are prompt, and I know from an experience my girlfriend had with them that they have really good customer service. Reviewed on: 17th April 2025

App is very good, being paid early is a massive plus.

App is very good, being paid early is a massive plus. App full of useful information. Cashback deals built into the app. In depth credit insights for £3 per month is a great deal. Splitting bills very easy. Reviewed on: 17th April 2025

Almost 10years and counting

I have been with Monzo around the 10year mark its the most convenient account every with an easy to use savvy app I have had all the family and friends sign up as well. Holidays are the best with Monzo just the ease of use keeps me coming back. The spend tracking is another lovely feature. The customer service is seamless always on hand 24hrs , if your around me you have to have it. Reviewed on: 17th April 2025

Monzo, the best bank in the world.

I have loved Monzo ever since I joined years ago. From the ease to apply for loans, the ability to use pots and create virtual cards and now the offering of different types of Perks - this bank does everything I need it to do and more. I really love being able to split up my money after being paid and keeping myself on budget. I also love setting up payments to come out of different pots/ virtual cards as this ensures I never miss a payment. Reviewed on: 17th April 2025

Best UK bank account provider by miles

Best UK bank account provider by miles. Super slick AI, everything works perfectly. Tons of high value perks. Well done! Reviewed on: 17th April 2025

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Student Current Account
from The Co-operative Bank 4.13 from 8 reviews
Current Account
from Punjab National Bank 1.00 from 1 reviews
Premier bank account
from HSBC 3.08 from 82 reviews

There's still more to see!

Monzo has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub