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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)

Easiest and most straight forward banking app to use

Easiest and most straight forward banking app to use Reviewed on: 3rd March 2024

Very good helpful and easy to use

Very good helpful and easy to use Reviewed on: 3rd March 2024

Excellent User Interface and Experience

Beta member since 2017 and I have never experienced any of the old world inconvenience of legacy banking with Monzo. The app is just so easy to use and my user experience has been second to none. I always recommend Monzo to all my acquaintances regardless of stature because of my enthusiasm for this bank. Suffice to say, I'm happy with my experience in all facets of banking with them. Reviewed on: 3rd March 2024

Monzo has made banking easier and aswell as savings...

Monzo has made banking easier and aswell as savings I love the saving pots Reviewed on: 3rd March 2024

Have been using Monzo for a while, my transactions h...

Have been using Monzo for a while, my transactions have been smooth and have not had any reason to regret. Best bank Reviewed on: 3rd March 2024

I have good experience with monzo

I have good experience with monzo Reviewed on: 2nd March 2024

Good service and nice bank card very easy to use...

Good service and nice bank card very easy to use Reviewed on: 2nd March 2024

Customer service team are always knowledgeable and h...

Customer service team are always knowledgeable and helpful. Having pots and the salary sort, really make the account easy to use and manage my finances. Reviewed on: 2nd March 2024

Excellent service

Always had very good experiences with Monzo and using my card abroad always has good exchange rates without charges occurring Reviewed on: 2nd March 2024

Love it !! Wouldn't use anything else!!

A great app and very easy to use, much more options to save etc than other banks. I like the cha ching notification when money is taken from my account as it alerts me if it's a deduction I was not expecting. This did happen once and I was able to block my account in seconds to prevent anymore money being taken out. It was £800 + in different rapid transactions so my notifications was going mad I was able to get the money back thankfully. If the notifications weren't in place I'm sure the scammers would have cleared my account. Customer service is great on the chat facility too. It's easy to set up a new payee, make a payment and use in the shops. You can also add your account to Googlepay. If you are expecting regular payments in the app also gives you the option of receiving payment the day before. All in all I can't fault Monzo at all. I used it initially to buy things on line, so that I could add the money to my account to cover the payment without giving away my main account details, but since using it for a while now, I have started to use it as my main account because of its ease of use. No card readers required!! Trying to set up a new payee for just one payment is such a lengthy ordeal with banks and building societies, having to use card readers, which if you don't use regularly get lost or run out of battery. None of this messing about with Monzo, it's done in less than a minute, and Monzo does check that the name and account is correct before making the payment. Hats of to Monzo !!! Reviewed on: 2nd March 2024

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