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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)

I was looking to open up a separate bank account fro...

I was looking to open up a separate bank account from my main bank, and came across Monzo. I am very happy I did as it provides me with all of my banking needs, and has benefits such as cash back with certain retailers. It was quick and easy to set up a bank account online, within 15 minutes it was completed. Reviewed on: 16th June 2024

Not Crypto friendly in the slightest.

Not Crypto friendly in the slightest. I would give zero as a rating if that was an option. Deposited a small sum in a new monzo account and as soon as I tried to send it to a cryto exchange, the company have frozen my account whilst 'specialists' look at it and have requested various info. If I'd tried to put it onto a gambling site, they would have allowed me. No interest in their customers wellbeing, just want to stop UK customers moving to crypto assets as it impacts their bottom line. Terrible customer service on chat, waiting for hours a a time for a response. Avoid at all costs. Reviewed on: 9th June 2024

Love this app.

Love this app. Really helped me get on top of my money and budgeting. Forever in the black due to the simplicity of use. Ability to set money aside in pots and to squirrel the odd pennies into a savings pot is brilliant. Gives perfect resonance to the saying about pennies adding into a pound. Reviewed on: 6th June 2024

Modern Banking

Since day 1 I have had no troubles with Monzo. In fact they have offered me different services which they do. Like saving pots etc Reviewed on: 6th June 2024

I've been using Monzo for years and I can't even ima...

I've been using Monzo for years and I can't even imagine using a different bank as my main account. The experience has been great, and I've been using premium (now Max) which gives me so many extra benefits (e.g. I travel a lot and I needed a travel insurance, but decided to pay for Monzo instead of a separate company I'd need to deal with). Reviewed on: 5th June 2024

They don't really support you if you've been the vic...

They don't really support you if you've been the victim of a scam. Plus the customer service takes ages to get back to you. It's almost as if there is no real human behind the customer service wall. This makes me weary of them. It's a shame because all of the other perks and features are quite nice. Reviewed on: 5th June 2024

Easy to setup and acess your funds

Easy to setup and acess your funds Reviewed on: 3rd June 2024

Better banking!

Better banking! Didn’t think it was possible, but Monzo has made me interested in my money! Reviewed on: 2nd June 2024

Best bank i have ever been with!

They offer various perks, a free 1 year railcard and weekly greggs. Like how could i ask for more? The service is reliable and i love the system where you use pots to save money in! Overall Monzo is now the main bank I use. You can even ask for your pay a day early! Reviewed on: 2nd June 2024

Brilliant bank, easy to use , easy to send money and...

Brilliant bank, easy to use , easy to send money and track your spending also. Reviewed on: 30th May 2024

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