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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19398 reviews)

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4.93

Based on 19,398 reviews, last reviewed 21st Apr 2026

70467% increase in 5 star reviews

in the past 90 days

1800% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Brilliant bank account Brilliant bank account, the features like 'Pots' help me manage my finances effectively Reviewed on: 21st April 2026

Latest lowest rating:

1

They closed my account in 2024 without any clear rea... They closed my account in 2024 without any clear reason, even though I was actively using Monzo to receive my PIP payments. Honestly, it’s been a real... Read more Reviewed on: 14th April 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 (19398)

Customer service

Any situation I have faced they helped me to phase through it very swiftly. Reviewed on: 16th February 2024

Monzo is easy to navigate, has great interest rates...

Monzo is easy to navigate, has great interest rates and the customer service is very responsive. Reviewed on: 16th February 2024

Monzo, the coconut-clapping knight of Banks!

Ah, Monzo Bank, the financial equivalent of a cheeky wink and a coconut-clapping knight. Gather 'round, fellow questers, as I regale you with tales of this digital Grail. 1. The Monzo App: More Intuitive Than a Lumberjack Ballet Picture this: I’m sipping tea, pondering life’s mysteries (like why coconuts don’t migrate). Suddenly, my phone buzzes—it’s the Monzo app, whispering, “Join our quest, brave spender!” Premium Account: For a mere £15 a month, I get perks like virtual cards, increased foreign ATM withdrawals, and interest on savings. It’s like the Holy Grail of banking—shiny, elusive, and occasionally guarded by a killer rabbit. Business Account: My business wields the Monzo Pro sword. Invoices? Sorted. Multiple user permissions? Check. Round-the-clock assistance? They’re practically the Knights of the Round Table, minus the chainmail. Joint Account: Ah, the Monzo Fellowship! My wife and I—like Arthur and Guinevere—share expenses. Pots help us budget. And those roundup pots? They’re our secret stash, growing like a mystical shrubbery. Shall we spend it on a plush rabbit or save it for another year? Decisions, decisions! 2. The Round-Up Feature: A Quest for Spare Change “What is your name?” the app asks. “Sir Roundalot,” I reply. Every transaction, it rounds up to the nearest pound. Those extra pennies? Into the pot they go! Last year, we amassed over £400. It’s like finding the Holy Grail in loose change. 3. Customer Support: Faster Than a Swallow Carrying a Coconut “Help! My card is stuck in a castle!” I cry. Within minutes, a Monzo wizard appears. “Fear not,” they say, “we’ll send a new one via pigeon post.” Efficient, courteous, and surprisingly Pythonic. 4. Foreign Transactions: As Smooth as a Silly Walk “I wish to buy a shrubbery in Timbuktu,” I declare. Monzo nods. “No foreign transaction fees,” they say. I dance a triumphant jig—part John Cleese, part Black Knight. 5. Security: Stronger Than the Bridge of Death “What is your mother’s maiden name?” asks Monzo. “Ni!” I reply. They verify my identity faster than a French taunter can insult my ancestors. In summary, Monzo is the Holy Grail of banking: quirky, reliable, and occasionally absurd. So, fellow knights and ladies, saddle your coconuts and ride forth to Monzo—the bank where every transaction feels like a quest. Reviewed on: 16th February 2024

Ive been using Monzo as my main account since 2018.

Ive been using Monzo as my main account since 2018. I was previously with Barclays and the Co Op. Barclays were a nightmare to deal with so I jumped at the chance of a new bank. The whole app interface is excellent and there FAQ/chat service is always helpful and easy to use. Never had a long term issues and someone always gets back to me in 24hrs. Love the pots, the virtual cards, the saving accounts and the whole transparency of the set up. Highly recommend. Reviewed on: 16th February 2024

Great trustworthy bank I have recommended to family...

Great trustworthy bank I have recommended to family and friends Reviewed on: 16th February 2024

Easy and safe to use

Easy and safe to use when shopping as it provides disposable cards for one use Reviewed on: 16th February 2024

Monzo, International Students Saviour

Being an international student, where other banks were not helping me with my queries. MONZO was my saviour and helped set up my bank account within a day. I was able to travel through London all thanks to Monzo. Its amazing and simple to use. And I like the share link to send to someone to ask for payments. This is something I am not aware any other bank does. Reviewed on: 15th February 2024

Very great, I recommend other people to use MONZO

Very great, I recommend other people to use MONZO Reviewed on: 15th February 2024

Best Banking App around

Best Banking App around, and I've tried quite a few. Fast reacting and built to make my life easier, not to upsell to things I don't use. Savings pots make the offer even better, with competitive interest rates and instant access. That's all really one needs Reviewed on: 15th February 2024

Really simple and transparent, can even get cash a d...

Really simple and transparent, can even get cash a day earlier than usual Reviewed on: 15th February 2024

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