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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)

Had zero issues there is no downtime and you get rea...

Had zero issues there is no downtime and you get real-time alerts Reviewed on: 9th March 2024

Absolutely amazing as usual.

Absolutely amazing as usual. They have come a long way since I joined them in their beta prepaid card days Reviewed on: 9th March 2024

Monzo current account is a game changer!

Visibility of upcoming payments, categorising payments, easy search function, left to spend, representing direct debits…. All these functions make it so easy to manage my money. Monzo has changed my life! Reviewed on: 8th March 2024

My experience with monzo is good

My experience with monzo is good Reviewed on: 8th March 2024

Modern banking - no waiting for letters to arrive, p...

Modern banking - no waiting for letters to arrive, pins, and cards just an account that is secure and easy to use when it comes to savings/investments. Reviewed on: 8th March 2024

Really easy to use app compared to other banks.

Really easy to use app compared to other banks. Reviewed on: 8th March 2024

contact customer service

I've only needed to contact customer service twice but both times I've had quick and great help. Reviewed on: 8th March 2024

On your side, but joint accounts are lacking

It really feels like Monzo is on your side, helping you manage your money and I'm grateful for that. But feature parity on joint accounts is a years-long failed promise, and customer support is agonizingly slow. If things improve Monzo would deserve a six-star review. Reviewed on: 8th March 2024

is the only bank account I've never had a problem with.

is the only bank account I've never had a problem with. Signing up is easy, splitting bills is easy, and even when I thought I would have a problem with a refund, guess what? Refunds are EASY. Monzo teams are the best ones, they listen to us, and they have the best app ever. Reviewed on: 8th March 2024

Card replacement

Lost my card and got a new one the very next day Reviewed on: 8th March 2024

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