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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)

Making Monzo my main account was the best move

I've banked with Monzo for years. Their extra paid for offerings are competitive but I think the free experience is stellar. The app makes money management very simple and saving pots are a breeze especially paying out of them directly. When I've had issues their customer service has been rapid and fixed things quickly. Reviewed on: 7th February 2025

I have been using Monzo for 6 years now and absolute...

I have been using Monzo for 6 years now and absolutely love it. It makes it so easy to split money into pots, pay for your bills directly from pots and send money to people. I have recently combined all my banking accounts into Monzo and use my Monzo for the full overview. Reviewed on: 7th February 2025

Visibility and control over my money

Monzo gives visibility into where I spend my money, it helps me spend less and keep better control of where costs are changing. I have found it incredibly useful for both my personal account and also as a joint account, and would highly recommend it. I think my biggest drawback is that the flex credit card doesn't include rewards or similar like other banks do Reviewed on: 7th February 2025

Super easy to set up and use.

Super easy to set up and use. I've been a customer since moving to UK. Tempted a few times to set up an account with a brick and mortar bank but functionality and features of monzo keep it as my main current account. Reviewed on: 7th February 2025

The least stressful banking experience I've ever had

The least stressful banking experience I've ever had Reviewed on: 7th February 2025

Monzo is great!

Monzo is so easy to use, and to automate good financial habits. I love being able to round up my spending into a savings account and split my money into pots to help me budget through the month. Reviewed on: 7th February 2025

I think Monzo are exemplary.

I think Monzo are exemplary. I use them for both my personal and business current accounts and the app is so easy to use. I never need to contact customer services as everything does just work as it should! I have heard negative things about their customer services but the 1 time I had to use it, they were quick and proactive to sort my issue. Reviewed on: 7th February 2025

Monzo - Easy Peasy Banking

I've been using Monzo since 2018 and the sign up process was simple. In fact, everything about using Monzo has been amazing. Simple to use, easy to understand and banking is just one thing I don't have to worry about. Easy Peasy Banking. Reviewed on: 7th February 2025

Simply the best, so easy to use.

Simply the best, so easy to use. Reviewed on: 7th February 2025

By far the easiest app to use out of all the mobile...

By far the easiest app to use out of all the mobile banking apps out there. Monzo makes it easy and initiative to track your money, save and invest. Reviewed on: 7th February 2025

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