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Monzo: Current Account reviews

Name: Current Account
Rating: 4.93 (17284 reviews)

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4.92

Based on 17,284 reviews, last reviewed 24th Jan 2026

2750% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Easy for daily spend and also especially while you a... Easy for daily spend and also especially while you abroad as well and customer service in touch efficient Reviewed on: 24th January 2026

Latest lowest rating:

1

Very bad service full stop . Very bad service full stop . To the point that relying on high street lenders have more features and service that people with disabilities should cons... Read more Reviewed on: 23rd January 2026

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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.

Monzo Current Account reviews (17284)

Review of the Monzo, Current Account:

Monzo has been my bank for 6 years.

Monzo has been my bank for 6 years. They’ll continue to be my bank for many more years. Great UX in a banking app makes such a difference. Time of voice, ease of use, and simplicity driving the flow throughout their application. Add that with amazing features, functionality and products. You’ll win me every time. Reviewed on: 10th February 2025

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

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

Genuinely great

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

Debanking by Monzo ruined my credit

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

Just banking!

Just banking! No offers of credit, no fuss, no issues, perfect Reviewed on: 22nd January 2026

Everyone should have a monzo

Monzo is so useful I’ve been using monzo for about 3 years now. and it’s a very reliable trust worthy bank and has great features like the flex credit which you can take advantage of when you’re needing that little bit of extra money . They also provide emergency overdrafts and don’t limit you when they can see you need the funds Reviewed on: 22nd January 2026

Always able to resolve issues or queries with barely...

Always able to resolve issues or queries with barely any wait time. Extremely good with any fraudulent activity possibilities. Great value for money with monzo perks, offering benefits no other banks do. Reviewed on: 22nd January 2026

I use Monzo as a small account to transfer funds to...

I use Monzo as a small account to transfer funds to my grandchildren. Over the last year i have contacted them to discuss my account and have found them helpful and knowledgeable. I have joined their daily savings plan and they are encouraging me to improve my financial position over the next 12 months. Reviewed on: 22nd January 2026

It has been simple easy and intuitive to bank with t...

It has been simple easy and intuitive to bank with them via the app Reviewed on: 22nd January 2026

Great customer service, good reminders about money a...

Great customer service, good reminders about money and benefits available. Covered by FSCS now too Reviewed on: 22nd January 2026

Easy to use great for anyone wanting to Budget with...

Easy to use great for anyone wanting to Budget with their money as you can have POS to split your salary up ; could be Car, Dentist etc. Reviewed on: 22nd January 2026

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