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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (17799 reviews)

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4.92

Based on 17,799 reviews, last reviewed 10th Feb 2026

28250% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

I've never had a problem Monzo I've never had a problem with my in-app experience with Monzo. The only issue I've had is that sometimes my apple pay using monzo doesn't go through b... Read more Reviewed on: 10th February 2026

Latest lowest rating:

1

Impossible to speak to one person, none of them spea... Impossible to speak to one person, none of them speak English, block your account, freeze it without permission won't give you your money, fraudsters.... Read more Reviewed on: 10th February 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.

Awards

What is this award?

Best British bank 2025

Awarded to the bank rated highest in UK customer reviews.
Best banking app 2025

Awarded to the bank rated highest in customer reviews for their banking app.

Monzo Current account reviews (17799)

Review of the Monzo, Current account:

Game changer

Love everything about Monzo. It's so easy to see everything immediately, move money, create 'pots' for saving. Have saved so much more since swapping to Monzo and recommend them to everyone Reviewed on: 4th August 2023

Useful, valuable and practical.

All account add-ons are useful, valuable and practical. I like the categorisation and spending reports. Reviewed on: 10th February 2026

Monzo is different.

Monzo is different. Hardly any charges for overdraft, 100% transparency regarding balance and transactions. I send links to people to share. So happy with Monzo! I don't bank with anyone else. Even transferring my pensions over. Reviewed on: 10th February 2026

I can’t stop raving about Monzo

I can’t stop raving about Monzo I went full Monzo in 2018/19 and am not looking back. I recommend it to friends and I advise people how to get the best out of it. Always use salary sorter and pay bills from my pots. I can budget and save easier and keep track of spend in easy and simple ways - the left to spend on my bills pot and looking at my scheduled payments for example. I always have a round up pot as well and am currently doing the reverse 1 p challenge adding to a pot for my car insurance to pay it all in one go. I have a pot for my Amazon prime payment and for car repairs and make sure to save my salary sort info so when I get paid (early as well!) I always move money everywhere it belongs - should I go into overdraft it’s 1p a day! Reviewed on: 10th February 2026

Visualising finances at its best

Monzo has been the visual platform I need to see where my money comes and goes, it helps me save in pots and really understand how my finances are laid out. I can prioritise better than I ever have done. Reviewed on: 10th February 2026

Easy to use app

Easy to use app.Great round up options and I like the saving options Reviewed on: 10th February 2026

Best Overall

Monzo is great because you can easily track all your expenses and link multiple bank accounts into one hub. They have amazing saving features that are fun and can help you save towards certain goals. Their investment feature is easy to understand and use. Overall, it's the best overall with all its features. Reviewed on: 10th February 2026

Really enjoyed using monzo brilliant never had a pr...

Really enjoyed using monzo brilliant never had a problem and there always happy to help Reviewed on: 10th February 2026

Simple, intuitive and fair

Seamless, intuitive app and treats customers fairly (unlike Starling, my prior bank) by offering savings interest on savings pots. Love the features like savings challenges and ability to annotate and categorise transactions makes it really easy to manage your spending. Reviewed on: 10th February 2026

Monzo is fantastic.

Monzo is fantastic. The in app features are great, there’s great customer service, easy to set up savings, easy transfers AND early pay day Reviewed on: 10th February 2026

Impossible to speak to one person, none of them spea...

Impossible to speak to one person, none of them speak English, block your account, freeze it without permission won't give you your money, fraudsters. Reported to action fraud and ombudsman. Reviewed on: 10th February 2026

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