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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19401 reviews)

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4.93

Based on 19,401 reviews, last reviewed 26th Apr 2026

3338% increase in 5 star reviews

in the past 90 days

467% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

A great account. A great account. Does everything I want Reviewed on: 26th 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 (19401)

Excellent service

Excellent service transfer money to any where too easy customer support is too good Reviewed on: 21st January 2024

Monzo on Top!

Monzo are at the top of the leaderboard for an online bank. I have used a few of their competitors but have always found a better experience using Monzo. I love their pots and how I can save my extra change from purchases by rounding it up to the pound. Having the Monzo Flex feature is great as well! Reviewed on: 21st January 2024

Monzo is the most straight forward bank out there

Monzo is so easy to use, and easy to sign up for. I love how forward and simple it is, and it has taught me how to save money in more effective ways. Reviewed on: 21st January 2024

A Frustrating Experience with Monzo: Account Frozen

I’ve been a Monzo user for several years, appreciating its convenience and modern approach to banking. However, my recent experience has drastically changed my opinion. The issue began when I ventured into cryptocurrency. Shortly after my purchase, Monzo froze my account for 48 hours, trapping a significant amount of £37,000 without any clear explanation. Monzo’s support system has been disappointing. They keep mentioning that a “specialist team” is looking into my case, but there’s no direct line of communication with this team, leaving me in the dark. The lack of a physical branch exacerbates the problem, as I have no option to address this face-to-face. Their response times have been extremely slow, and they haven’t provided an estimated time for resolving the issue. Despite my efforts to cooperate and provide all necessary documentation to prove the legitimacy of my exchange, the responses from their support team have been generic and unhelpful. This situation has been a wake-up call. Monzo’s actions suggest that they might restrict customer access to funds based on their own discretion, particularly concerning activities they deem unusual, like cryptocurrency transactions. It feels like I don’t have full control over my own money, a fundamental expectation from any banking service. Given this experience, I advise caution to anyone using Monzo, especially those considering engaging in activities like cryptocurrency trading. It’s unsettling to realize that your access to your own funds can be so easily and opaquely restricted. I urge everyone to consider this risk and possibly look for more reliable banking alternatives that respect and ensure easy access to your funds. Reviewed on: 21st January 2024

Anytime I've had a issue its always be straightforwa...

Anytime I've had a issue its always be straightforward to deal with. Reviewed on: 21st January 2024

I absolutely love Monzo, I would never move to anoth...

I absolutely love Monzo, I would never move to another bank. They are so easy to deal with, I have a flex account which is amazing Reviewed on: 21st January 2024

Great account

Easy to set up the account. Great features to manage money and save. Easy to transfer to family Reviewed on: 21st January 2024

Makes managing my money with my partner on our joint...

Makes managing my money with my partner on our joint account easy. We love the easy to use interface and it helps that so many friends are on Monzo as it makes paying them easy as we don’t need their details. Reviewed on: 21st January 2024

Fantastic , modern and simple

Ever since using the bank I’ve had my finances under way more control . Having everything right there in front of you makes things simple. The bank has a very modern feel to it too unlike the antiquated dinosaurs like Lloyd’s Reviewed on: 21st January 2024

Excellent App

Have had no issues using Monzo. Even when I thought money was taken out of my account, it was dealt with promptly. Thank you Monzo. Reviewed on: 21st January 2024

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