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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (18214 reviews)

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4.93

Based on 18,214 reviews, last reviewed 4th Mar 2026

48700% increase in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Very reliable bank I have been with Monzo for 5 years and it’s very reliable. Has great perks on max - with car break down. I have save the most for a while with the 1p ... Read more Reviewed on: 4th March 2026

Latest lowest rating:

1

Been banking for a while with numerous banks but ti... Been banking for a while with numerous banks but till date I only faced an issue with Monzo who froze my account. Lots of frills but lacks confidence ... Read more Reviewed on: 25th 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

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 (18214)

Review of the Monzo, Current account:

The. Best. Overdraft/Loan. Experience. Ever!

Already a fan of Monzo the experience from the angle of managing my overdraft and its usage, right down to the clarity of how its Loans are presented and booked into - it’s just second to none. Nothing is pushed on you and the terms are clear and fair. Moreover as a Premium user I love how my credit score shows up in the app - with a monthly update reminder that highlights the causes for any drop or increase. This is excellent and a great awareness grower for those using credit. In fact it has motivated me to stay out of my OD. Hats off Monzo! Reviewed on: 14th June 2021

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

Ive been with monzo for about 3 years its easy to ma...

Ive been with monzo for about 3 years its easy to manage all your money. Their savings challenge is also quite good. Reviewed on: 10th February 2026

Excellent bank.

I have recommended so many people to Monzo. All my family are with them. Reviewed on: 10th February 2026

Great service.

Great service. Always good cashback and saving conditions. Easy to use obviously and app design is good, easy to understand everything not like in different banks. Also it’s good that you can send money to different country bank and not wait 1-2 days Reviewed on: 10th February 2026

Brilliant current account and great user-friendly app.

Brilliant current account and great user-friendly app. The account is great for managing money and the perks for subscribing are definitely worth the money. Reviewed on: 10th February 2026

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