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Monzo: Current account 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
See only 5 star reviews
96%
See only 4 star reviews
3%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
1%

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
Mncedisi M's avatar
Mncedisi M

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
Philip B's avatar
Philip B
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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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Monzo Current account reviews (19422)

Have been loving using Monzo for years!

5
Have been loving using Monzo for years! I was a beta customer and still love it for my everyday spending, all my bills and savings pots! none of the high street banks offer the same number of useful features for managing day to day spend in one single account, that can all be accessed on your phone. Reviewed on: 3rd April 2024
Isobel M's avatar
Isobel M

I'm far more confident with money, thanks to Monzo

5
Monzo is easy and intuitive to use and has helped me to manage my money much better. I have more than doubled my savings using features like automatic round-ups and locked pots, and I find the transparency of the investments tool really useful. I love that I can see other accounts, including my mortgage, in one app and tag and track my spending. Pots have been a game-changer for me when it comes to budgeting; my salary is automatically sorted into pots and I have a virtual card set up for my online subscriptions which provides an extra sense of security. I can't fault Monzo, and the benefits of being a Monzo Plus member far outweigh the monthly cost. Reviewed on: 3rd April 2024
CharlotteB's avatar
CharlotteB

A better experience for dealing with money

5
I was with Barclays for 20 years until my colleague sent me his monzo.me link after we grabbed burgers at lunch and I could not believe how easy it was to ping him a 10er. Literally a couple of seconds. No "what's your bank details" polova. I downloaded Monzo and connected my Barclays account that evening. It took me no more than 20 mins of playing around with the custom categories, pots and trends features before I was filling out the switch guarantee. Managing money was much easier when it was just my wife and I, now we have 2 littlens and alot more bills it's much harder. I'm in love with the monzo app because it's given me the visibility that I need to manage money effectively for my family.... and yes, I preach about it to friends and family like I work there! Reviewed on: 3rd April 2024
luccanacci's avatar
luccanacci

Simple app!

5
Very easy to navigate the Monzo app. Reviewed on: 3rd April 2024
Tae E's avatar
Tae E

Monzo is my go-to

5
Monzo is my go-to for saving, it has a painless UI and doesn't try to constantly upsell you like other online banks. The savings pots have great interest rates and make it easy to store cash in easy to grab and locked away pots as needed. Reviewed on: 3rd April 2024
LP's avatar
LP

Really happy with my experience with monzo, they’re...

5
Really happy with my experience with monzo, they’re an amazing company Reviewed on: 3rd April 2024
Maddie s's avatar
Maddie s

I like how easy it was to open the account, and the...

5
I like how easy it was to open the account, and the amount of pots and savings pots i can open, so that really helps me budget, plan my spending, and view interest rates. Recently I enjoyed the cashback and the investments options Reviewed on: 3rd April 2024
popcorn's avatar
popcorn

Monzo is the best bank I've ever had!

5
Monzo is the best bank I've ever had! Reviewed on: 3rd April 2024
Ross I's avatar
Ross I

Huge Monzo advocate to anyone who will listen.

5
Huge Monzo advocate to anyone who will listen. It’s a seamless experience and doesn’t feel like a bloodsucking corporation to deal with. UI is amazing and Monzo Plus is exactly what I’m after. Reviewed on: 3rd April 2024
Tom D's avatar
Tom D

Monzo is my favourite banking app to use and has bee...

5
Monzo is my favourite banking app to use and has been for years. It’s easy to pay people and categorise things, works seamlessless with cashback apps, gives great security in that I can block my card if something should happen, and when it came to renewal time for my card I was given plenty of notice and warning with the chance to update my details so the transition between cards was really well handled Reviewed on: 3rd April 2024
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SM

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