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Monzo: Current account reviews

Name: Current account
Rating: 4.846411771718629418 (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)

Perfection

Always great in the U.K. and overseas Reviewed on: 21st January 2024

Any thing to do with monzo like check or your accoun...

Any thing to do with monzo like check or your account you get exilent customers service Reviewed on: 21st January 2024

Dis is my best bank in UK.

Dis is my best bank in UK.very reliable. MONZO has help me with several disputes and I was able to get my money back.Thank You Monzo Reviewed on: 21st January 2024

The best bank I ever had, Wholesomely Awesome Bank,...

The best bank I ever had, Wholesomely Awesome Bank, would recommend it to everyone to switch indeed. Reviewed on: 21st January 2024

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

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