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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)

Excellent to bank with

Excellent to bank with 100% recommend Reviewed on: 17th February 2024

High quality and innovative

Consistent, reliable high quality service from these guys. Innovative thinking at all times too. Superb attitude and friendly approach to everything. I'd even say they're fun to work with as a banking provider Reviewed on: 17th February 2024

Great customer service

Great customer service, quick response time Reviewed on: 16th February 2024

The Monzo app is great and easy to use.

The Monzo app is great and easy to use. CS in app is great. Love the instant transactions and I like that I can send a payment request to someone to pay via card... no more "I dont have my banking app details".. Reviewed on: 16th February 2024

Easy and simple

It's really easy to use. I am very satisfied banking with Monzo. Send money back home is so easy and fast with Monzo app Reviewed on: 16th February 2024

Monzo is a game changing bank!

Monzo is a game changing bank! Their mobile banking app is great to use and it looks very appealing. A plus point of the bank is their customer service is great. I found the live chat feature useful. Reviewed on: 16th February 2024

I Love Monzo!

Monzo is easy to use, has great features for managing your money and makes saving and investing easy and understandable. The pots feature is incredibly useful and has helped us save towards our first house by rounding up transactions into a savings pot with everyday spending. It’s easy to split and request payment for purchases with friends and it helps that I can see all my accounts in one, user-friendly app. Reviewed on: 16th February 2024

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

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