Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 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
Read all reviews Write a 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.

Review Monzo: Current account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Monzo Current account reviews (19431)

Amazing bank

5
Amazing interest rates on savings, claiming bacs payments a day early. Reviewed on: 18th March 2025
Kmp 's avatar
Kmp

I’ve used monzo for 2 years i would never switch.

5
I’ve used monzo for 2 years now, i would never switch. Monzo has great interest , original ideas , such as the “1p challenge” and i love the “get paid the day before feature”!. I have recommended Monzo to over 5 people and monzo gives me £5 everytime for it! but it’s such a great bank id do it without the money incentive! Overall monzo is a great bank, never ever had an issue! Reviewed on: 18th March 2025
JLech's avatar
JLech

Excellent service, makes money easy to manage and fu...

5
Excellent service, makes money easy to manage and fun to save (started my children off in the best way too!) Reviewed on: 18th March 2025
Rachel J's avatar
Rachel J

Gone from holiday account to main account!

5
Set up account initially so could track holiday spend, to use abroad and for exchange rates. I’ve found it so easy to use, accessible with no hidden fees etc that I’ve now made it my main bank account. Absolutely love it and have had no issues so far. Would throughly recommend Reviewed on: 18th March 2025
Zobi 's avatar
Zobi

Best bank app

5
Got referred to Monzo by a friend, and haven’t stopped using it since. Love the penny challenge and being able to see what’s coming out of my bank Reviewed on: 18th March 2025
Sophie M's avatar
Sophie M

I just like their ads

3
I just like their ads. Mono makes me laugh so much. They are real Reviewed on: 18th March 2025
Laura T's avatar
Laura T

The best banking app on the market

5
I’ve tried a lot of banking apps including Santander, Chase, Starling, First Direct and finally Monzo. None of them offer the same digital-first experience. I work as a software engineer and I can’t express by how impressed I am by how much this app puts the customer first. No dreaded phone calls to a call centre, just a few taps on my phone. An example is in Starling, to replace a connected card it’s call their call centre - but on Monzo no such thing - just tap on the app. Monzo also offer a lot of great other features such as split the bill and shared tabs. When we go on holiday with a group of friends, we can all add our expenses onto a shared tab showing transparency to everyone meaning we always make sure we each pay our fair amount. They also provide great flexibility with their current accounts when linked to a flex credit card - where you can retrospectively convert a current account charge to a flex charge. No need to carry lots of cards with you anymore! Reviewed on: 18th March 2025
Sammy H's avatar
Sammy H

I use Monzo for personal and business banking - I lo...

5
I use Monzo for personal and business banking - I love how user friendly it is and easy to get things done (especially on business) Reviewed on: 18th March 2025
Billy H's avatar
Billy H

I love my account with Monzo.

5
I love my account with Monzo. It was easy to set up and the customer experience has been second to none. I’d switch all of my accounts to Monzo if I could get the same overdraft that I have with Halifax. I’m going to recommend my children to go with Monzo - modern banking at its best! Reviewed on: 18th March 2025
Kate E's avatar
Kate E

Upgraded Perks account benefits

5
Their upgraded “Perks” current account comes with some really great benefits and their savings account has a better interest rate that other banks! You can split money into pots for better budgeting and can categorise your transactions to better keep track of your spending. Sending and receiving money is particularly easy with people who also have a Monzo account, you just need their phone number! Reviewed on: 18th March 2025
Alex C's avatar
Alex C

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

Want to see more from Monzo?

  • Flex Purchase credit card

    from Monzo 4.90 from 3189 reviews
    Monzo

  • Under 16s account

    from Monzo 4.89 from 946 reviews
    Monzo

  • Investments

    from Monzo 4.85 from 1152 reviews
    Monzo
    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
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill