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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)

Very smooth and interesting .

5
Very smooth and interesting . Monzo account has helped me secure my account against fraud and theft Reviewed on: 20th February 2024
Francis Nimem 's avatar
Francis Nimem

Monzo plus helped me gain insight on budgeting and s...

5
Monzo plus helped me gain insight on budgeting and savings also you get interest put in! The biggest problem is being able to be paid a day early- especially in emergencys ! Reviewed on: 19th February 2024
Lauren E Calder 's avatar
Lauren E Calder

Everything at ur finger tips and i love the sound wh...

5
Everything at ur finger tips and i love the sound when money comes in Reviewed on: 19th February 2024
Hazi M's avatar
Hazi M

Monzo is great!

5
Monzo is great! They make it very easy to separate money into different saving pots. The get paid early feature is a great help in this current state of economy Reviewed on: 19th February 2024
katie debenham's avatar
katie debenham

Absolutely terrible customer service set up.

1
Absolutely terrible customer service set up. The bank works well when you do not require any assistance but as soon as you have any type of issue that requires customer support you may as well talk to a wall. You must use the in app chat to speak with them and you get passed from auto bot to auto bot, pretending they’re humans, constantly telling you how sorry they are in vague auto messages. Once you do finally speak to a person they’re never able to help you and continually pass the query to another person until you eventually get told they’ll resolve it via email within 12 business days. They don’t know their ar*e from their elbow and just simply aren’t equipped to help in any meaningful way when problems arise. My business partner had his phone stolen and debit card stolen so I tried to contact Monzo to tell them not to allow any transactions to occur on our JOINT business account. They refused my request and said he had to contact us through the app. An impossible request if you’ve had your phone stolen. So even though I informed them by chat and phone this allowed the person to spend over £1,000 on his card before it was blocked and thus far after 11 days we have still not had a refund nor any meaningful response to show they’ve taken any action. They continually refuse to speak with me on the matter, claiming it has to be the cardholder, even though it is a joint business account with 3 signatories so it isn’t 1 persons money lost it’s a limited company with 3 directors. They do not care and their customer service is as fake as it gets as an online business. Do not be fooled by the ease of certain aspects of this bank, when something goes wrong you will not get any help and be left to pay the price. Reviewed on: 19th February 2024
Ross C's avatar
Ross C

I love how I'm kept up to date on every aspect of my...

5
I love how I'm kept up to date on every aspect of my account, from overspending warnings to active card checks Reviewed on: 19th February 2024
Chantille R's avatar
Chantille R

accessible banking

5
Used specifically for saving and use abroad. Useful and easy to use app. Reviewed on: 19th February 2024
Zoe's avatar
Zoe

Best Current Account!

5
Monzo is by far my favourite current account! I appreciate the way they have utilised technology to help account holders to manage their finances more efficiently. Monzo pots have enabled me to successfully save towards major life goals. The ability to easily split bills and receipts and request payments, from other Monzo users makes things easier. I also like tracking spending across different categories. Reviewed on: 18th February 2024
Rachel's avatar
Rachel

It keeps my account safe and protected

5
It keeps my account safe and protected Reviewed on: 18th February 2024
Eminent Aikore's avatar
Eminent Aikore

I've only been a client of Monzo for a few months.

5
I've only been a client of Monzo for a few months. In that few months I've had a better handle of my finances. I'm really impressed with the pots features. Since using the pots feature to look after my Direct Debits I'm not constantly working out how much money I've got left etc. Reviewed on: 18th February 2024
Harmey's avatar
Harmey

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