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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
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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)

Max plan and benefits

5
Monzo has fantastic options for paid current accounts such as Max, with the benefits greatly outweighing the monthly cost (breakdown cover, phone insurance, discounts and freebies). The app is incredibly user friendly and so much more modern and intuitive than the traditional banks versions. Reviewed on: 18th March 2025
Joe S's avatar
Joe S

Have been a customer for many years, highly recommend

5
Have been a customer for many years and rate the company for uk and abroad useage. Love newer features like the savings pots, penny challenges Reviewed on: 18th March 2025
Sam's avatar
Sam

Monzo has changed the way I bank, the easy to use ap...

5
Monzo has changed the way I bank, the easy to use app gives me so much transparency with my money. I used to hate checking my account balance, but now I have so much more awareness for where my spending is going and how I can budget for the future because of the handy budgeting tools and categorisation of my spend. The ability to send money so easily has made the admin of paying people back far easier. I also appreciate the additional security measures they recently introduced for large transfers, introducing 2-step checks to ensure my money is safe. Reviewed on: 18th March 2025
Jess A's avatar
Jess A

The app is easy to navigate and they have a good soc...

4
The app is easy to navigate and they have a good social media presence Reviewed on: 18th March 2025
Ebbonie A's avatar
Ebbonie A

An easy "Yes"

5
When I moved to the UK, I had to start from scratch—including setting up a bank account. They were eager to help me settle in quickly, getting everything set up in under a week without me even stepping foot in a branch. They’ve since become my go-to bank, even managing to make me laugh with their end-of-year wrap-up of my transactions! Reviewed on: 18th March 2025
Chelsea Lawrence's avatar
Chelsea Lawrence

Great bank 10/10, loved every second with Monzo

5
Great bank 10/10, loved every second with Monzo Reviewed on: 18th March 2025
Luke H's avatar
Luke H

I have never had any issues whilst banking with Monzo.

5
I have never had any issues whilst banking with Monzo. I moved to Monzo to help me split my casual spending money and my bills and this has worked wonderfully. The different pots have helped me separate money and keep a track of what's going where. Having the countdown to the date payments are going out also makes it easier to manage direct debits etc. I'm also taking part in the 1p challenge set up by Monzo, which is a great way for me to add a little extra savings. Reviewed on: 18th March 2025
JamT's avatar
JamT

The Monzo app is super easy to use

5
The Monzo app is super easy to use making banking quick and painless, the pots are a great way to manage my money and the savings accounts are also managed through app so I can transfer money instantly, it was also easy to open the account. Reviewed on: 18th March 2025
simone callan's avatar
simone callan

Teaching adults how to budget

5
I love Monzo. I was a kid who was never taught to manage money, who became an adult who was terrible at managing my money. I was constantly living in a deficit and had raked up some credit card debt. Monzo has taught me how to live within a budget thanks to it's really helpful pot system. The app is so easy to use and I feel much more in control of my finances. I also love that I can't access my savings accounts for 24hrs as it makes me consider if I really need to spend the money and most of the time I don't. Reviewed on: 18th March 2025
LAUREN 's avatar
LAUREN

A bank that helps

5
They've helped me gain control of my finances and make me not dread looking at my balance, not due to me not having enough money, but the friendlyness of the company pulls you in. They teach you about your finances and help you spot where you're spending most. They help you save and invest, plus with the premium accounts have great deals such as a railcard for free. Reviewed on: 18th March 2025
iestynx's avatar
iestynx

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