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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%
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0%
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0%
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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)

Best current account available

5
I am a long standing customer of Monzo Bank. I banked with many UK banks: HSBC, Tesco bank (closed), Nationwide, Lloyds, Revoult (not a bank yet), Monzo, and other financal app services I probably forgot about. From all prespectives Monzo wins in the user expiriance and how easy it is to have day to day banking. From benifits alone as being a keen traveller allowing me to not pay for any time I use a diffrenet currency - Monzo saved me a lot over the years. They have enhanced their bank a lot in the past year, intrducting ISA that was easy to understand, showing other financal services in app like my mortgage, making them the top app I prefer to use always. I do recommend to everyone to use as it also makes it easy to pay money to a friend or family, splitting bills etc. I hope Monzo will be always as good as they are currently! Reviewed on: 12th March 2024
Hava W's avatar
Hava W

Wont return my £10,000

1
Opened the account. Deposited and spent £2 with no problem. Then made the mistake of adding £10000. Now my account is blocked. I can’t spend anything due to suspicious activity. Live chat responds after 4 hours. They answer the phone after at least 45 minutes from Cape Town, South Africa. It has now been 24 hours that I have had no access to my money. No update. No contact from their scam specialist team. They just keep telling me to wait. Monzo are a complete joke. A bunch of cowboys. AVOID AT ALL COSTS. Go to Revolut instead!! Reviewed on: 12th March 2024
Salman Aziz's avatar
Salman Aziz

Monzo is a very convenient bank.

5
Monzo is a very convenient bank.. straightforward and easy to access online banking Reviewed on: 12th March 2024
Liz Soliman's avatar
Liz Soliman

Monzo is great for me for everything

5
Monzo is great for me for everything Reviewed on: 12th March 2024
Alan's avatar
Alan

A Great All-In-One bank, all in the Palm of your Hand

5
I am a Premium Current Account holder, a Joint Account Holder, I also use the Investment Platform, I have a loan, I use their Flex Credit Card and their Instant Access savings accounts. So I think I am using pretty much everything they offer outside of a Business Account, which I would use if I had a business! I don't have a lot of money, but Monzo make it easy for me to track and keep on top of the small amount I do have. And they give me the tools to get better. I earn great interest and I earn a bit more through my investment. It's tiny, but it grows consistently by around 6-7%! I love that I can see everything in one account. My mortgage with another provider, a run down of my investments and how my money grows and changes on a daily basis. The loan was easy to manage and also easy to pay off early. The Flex credit card is great, with the range of payment options, and they constantly improve it. When I first started using it, you had to pay off the first instalment immediately, which often defeated the purpose of it, but they changed that based on feedback. Reviewed on: 12th March 2024
Alexander Cook's avatar
Alexander Cook

Excellent service from Monzo.

5
Excellent service from Monzo. Never had any issues Reviewed on: 12th March 2024
Shane Andrews MBE's avatar
Shane Andrews MBE

Switched 6 ish month ago and love it!

5
Switched 6 ish month ago and love it! The app is so easy. Its banking made simple. Reviewed on: 12th March 2024
Scottc1988's avatar
Scottc1988

UI could be improved.

4
UI could be improved. Starting the month on a different date still doesn’t let me organise my direct debits. Little things. Reviewed on: 11th March 2024
youre's avatar
youre

Straightforward online bank

4
Straightforward online bank, great for getting paid early Reviewed on: 11th March 2024
drp1223's avatar
drp1223

I have been a victim of fraud on the internet twice...

5
I have been a victim of fraud on the internet twice and each time their response has been fast understanding and friendly and sorted it out straight away I'm very happy with my experiences Reviewed on: 11th March 2024
Lee t's avatar
Lee t

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