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Monzo: Current Account reviews

Name: Current Account
Rating: 4.93 (17224 reviews)

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4.92

Based on 17,224 reviews, last reviewed 6th Dec 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Good bank in mobile application. Very good start ,good bank, good application in mobile. Reviewed on: 6th December 2025

Latest lowest rating:

1

Account Clouser Monzo decided to close my account In September 2025, and they informed me about this in July 2025. They refused to give me any reason as to why they w... Read more Reviewed on: 26th September 2025

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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.

Monzo Current Account reviews (17224)

Review of the Monzo, Current Account:

Best UK current account by far - faster, slicker, more innovative and transparent than everyone else.

Monzo... where to start?! They've consistently raised the bar for every aspect of what a bank should be for me, to a level higher than even the other challenger banks. They first won me over by offering instant, detail-filled notifications about everything which happens on my account (not just payments, but verifications, refunds, declines, fees etc.) - telling me things like the decline I just had was because I entered the wrong CVV! Then, they built more features on top of the platform (e.g. savings pots which you can specify certain direct debits to come out of, etc.). Then they launched overdrafts and loans, both of which I've not used and have found a very smooth user experience with no delays at any stage of the process. I should note, that while my Monzo is my main account for my salary and almost all bills, the card I spend with regularly is my Curve card (which usually spends directly from my Monzo, but gives me unique things which only Curve can do) - Monzo and Curve are my two most loved fintech products. Right from the start, Monzo have been more transparent and communicative as a company than almost any other company I know, even outside of the finance and technology areas! For example, their easy-reading but super-detailed "Making Monzo" blog is a goldmine of interesting insights and technical expertise which shows how incredibly talented their team are, and builds up my trust in them massively as the kind of company I want to deal with. When things go wrong at traditional banks, they keep it quiet at all costs, sweep it under the rug, downplay it and lie about it to stop people worrying. Half of the time, when things go wrong at those banks, you don't even know it! Your expectations are actually so low of what service you receive (e.g. transactions taking days to fully complete, no banking at the weekend or even overnight...), that they actually have quite a lot of time to fix things quietly in the background without telling you. However with Monzo, when things go wrong they immediately tell everyone about it, scramble to fix it, then afterwards write up a super detailed blog post explaining exactly what went wrong (in all the gory technical detail) and what they're doing to make sure it never happens again. Now THAT is what I want from my bank, and in that area of transparency, Monzo are a million miles ahead and leading the pack. I can only hope they are as successful as they deserve to be, and their company culture is around for a long time. <3 Reviewed on: 3rd January 2020

The greatest online banking Very secure and accessible

The greatest online banking Very secure and accessible Reviewed on: 26th April 2025

I absolutely love using Monzo abroad!

I absolutely love the fact that our Monzo card works so well abroad! We always pay in the local currency and always get a great exchange rate with no conversation charges. Reviewed on: 26th April 2025

Great app, easy to navigate, innovative

Great app, easy to navigate, innovative Reviewed on: 26th April 2025

The App is really good

They are my first real bank account, and the app has made it so easy for me to get started with things such as investments and savings, because it teaches you all the important things you need to know to get started! Reviewed on: 25th April 2025

All the other banks are behind.

Monzo was only introduced a few years ago and they’ve smashed it! I love the ability to budget and create savings pots without having to open a savings account. The interface on the app is not only designed nicely but easy & simple to use. NatWest used to be my main bank but now I’ve completely moved to Monzo. Other banks had only introduced similar features after Monzo had! Too late by then. You need to listen to your customers more and take a leaf from Monzo. To all the other banks, you have to work a lot harder to convince me to move to you. Reviewed on: 25th April 2025

Super easy, best way to bank

Super easy to use, got a few of my friends to join and we all find it the best way to bank Reviewed on: 24th April 2025

Monzo..everything is smooth and easy no grief

Monzo has been so smooth and easy to acees and keep in touch with my finances Reviewed on: 23rd April 2025

I've used Monzo for years and think it's fantastic.

I've used Monzo for years and think it's fantastic. I've had a joint account and it's a fast, modern and efficient way to bank. Reviewed on: 23rd April 2025

Unable to even open an account because I don't have...

Unable to even open an account because I don't have any photo identification (I can't afford to get a passport or even get my provisional and start learning to drive) Reviewed on: 23rd April 2025

It's a very good bank.

It's a very good bank. The app is so easy to use an there are customer service team on hand whenever you need them. Roughly an hours wait for someone to contact you back but when you've got them they don't leave until your problem is fixed. Reviewed on: 22nd April 2025

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