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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19422 reviews)

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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

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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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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)

Have loved your monzo ever since I joined.

Have loved your monzo ever since I joined. Makes saving easy and the pots are my favourite feature. Reviewed on: 25th March 2026

Excellent UX, makes managing finance simpler.

Excellent user experience, love the control you get to tailor your app experience. Each feature they have helps manage finances and makes budgeting simpler. Perks is great value for money more than pays for its self with all the rewards you get. Have never had a reason to use customer service so can't comment there but never having the need to is a testament in itself of the smooth running of their service. Reviewed on: 25th March 2026

Been with Monzo since Beta and use them as my main c...

Been with Monzo since Beta and use them as my main current account. Led the way with changing this industry. Reviewed on: 25th March 2026

best bank ever

best bank ever - why would i go back to “big banks” who are just a waste of time Reviewed on: 25th March 2026

Absolutely love Monzo.

Absolutely love Monzo. As a young person looking to budget, Monzo is perfect for this. The app is what sets it apart, early pay day and pots too. All things other banks can do… but don’t. Monzo goes that extra mile. Reviewed on: 25th March 2026

app is brilliant, friendly and intuitive

The app is brilliant, friendly and intuitive Reviewed on: 25th March 2026

Best bank

Good products and ahead of others Reviewed on: 25th March 2026

Monzo has completely changed my relationship to and...

Monzo has completely changed my relationship to and attitude towards money. Savings pots allow me to save for likely but unplanned expenses and the 1p savings challenge means I save without thinking. The features and overall control over money is unparalleled. Reviewed on: 25th March 2026

Tbh is is how current accounts SHOULD be.

Tbh is is how current accounts SHOULD be. No fees for use abroad, payments available when they come in, not held for days. Easy and fun ways to save if you have max plan, I can funnel money monthly into “pots” and have virtual cards - Thai has been amazing for ensuring my kids can’t buy stuff online accidentally (or on purpose). Love my weekly Greggs treat and my monthly cinema ticket too! Plus the cash roundups and the 5% interest savings challenges. Reviewed on: 24th March 2026

Monzo is very easy to understand and time saver.

Monzo is very easy to understand and time saver. It’s help a lot when I need money I got overdraft exactly I needed time I will keep Monzo all the time and recommend my friends as well. Reviewed on: 24th March 2026

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