Write a review

Newsletter

Go to business site

Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

View other Monzo products

4.85

Based on 19,422 reviews, last reviewed 21st Jun 2026

68% decrease in 5 star reviews

in the past 90 days

10% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Monzo provides one of the best online experience. Monzo provides one of the best online experience. The app is clear and easy to understand. Money can be put into different pots making budgeting easy.... Read more Reviewed on: 21st June 2026

Latest lowest rating:

1

Froze our accounts for no reason Froze our accounts for no reason and have held onto the money for 2 weeks so far with no timescale, It has absolutely broke us to the point of no bill... Read more Reviewed on: 12th May 2026

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.

Write a review

Awards

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 (19422)

Best account used in England so far

Best account used in England so far Reviewed on: 12th February 2025

Intuitive, simple & informative

Of all the different banks I’ve used, Monzo is easily the most intuitive service to use. Simple, friendly & informative. Reviewed on: 12th February 2025

Useful card to have especially for quick transfers a...

Useful card to have especially for quick transfers and paying restaurant bills with friends. Interest rate on savings keeps going down. Reviewed on: 12th February 2025

Great customer service.

Great customer service. Brilliant app and very easy to use. Easy to pay people and request payment. Easy to move money around between pots, savings, joint account and personal accounts. Getting paid early and using Flex benefits to manage cashflow are fantastic. Nothing better than Monzo in the market in my opinion, and I have tried many of them. Reviewed on: 12th February 2025

Great stuff.

Great experience- I haven’t used customer service but user design and policy/decision transparency has always been excellent Reviewed on: 12th February 2025

Helping you understand money better

Easy to use. Great user experience on thw app. They encourage saving and having good money sense. Reviewed on: 12th February 2025

Really good design and experience for someone with A...

Really good design and experience for someone with ADHD and love being able to see so clearly my financial situation. All the added benefits are also really helpful and love the Max plan. Reviewed on: 12th February 2025

I now enjoy banking. Just awesome!

With Monzo, I am finally happy with the concept of banking. I have become more aware of my spending without it feeling like a chore. I enjoy the clarity of terms and conditions, which for the first time, in my banking life, I fully understand and feel are written for me to be aware of terms and conditions, not to drown me in jargon. I have once been scammed on both my Monzo and my then regular bank card. Monzo‘s investigation, and straightforward questioning made me feel valued andlistened to, but also held accountable in an adult way. The other bank just cancelled my card and never refunded the amount, not bothering about the issue. I love how easy the app is to use, and the innovation that is baked into it. I love the flexibility, and the fact that I’ve been able to open an account for my under 16 and that I get to educate her about banking so she can make informed choices, hopefully earlier in life than me. I have, a few years into my Monzo account, stop banking with traditional and very backwards thinking banks, and couldn’t be happier with my choice, many years on. Monzo make it very engaging to bank with them with some incentives and challenges which are fun to take part in. I believe I can credit Monzo with getting me out of debt without patronising me, but being there to support me when I needed some further help, and for making me enjoy banking and saving, which means I’ve completely turned around my attitude to money. Reviewed on: 12th February 2025

User-friendly

Monzo is my main bank account since 6 years now. I was nicely surprised how easy it was to open an account with them, more likely because I'm French and at the time was Au Pair and had no idea a bank like Monzo excited. All service is top-rank and I always recommend it to my friends/colleagues. Reviewed on: 12th February 2025

Monzo - the best bank!

I have everything with Monzo - current account, flex, savings and investment. The experience is so good Id rather keep my money here and lose out on better AER on the savings. Reviewed on: 12th February 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

Everyday current account
from Santander 4.01 from 205 reviews
Payment card
from Pridepay 0.00 from 0 reviews
Student Current Account
from Nationwide 4.24 from 7 reviews

Want to see more from Monzo?

Flex Purchase credit card
from Monzo 4.90 from 3185 reviews
Under 16s account
from Monzo 4.89 from 945 reviews
Investments
from Monzo 4.86 from 1143 reviews

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