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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)

Amazing banking so easy and brilliant to use online...

Amazing banking so easy and brilliant to use online app Reviewed on: 20th January 2024

Worth it

Easiest to set up and use, such an efficient service! Reviewed on: 20th January 2024

The pots make it easy to budget

Easy to open, app is clear. The pots make it easy to keep money aside for certain spending and saving meaning I can stick my budget. The orange card is nearly impossible to lose! Haven't yet had much if any contact with customer service so can't comment on that Reviewed on: 20th January 2024

A bank and an app that could satisfied me in everything

I was looking for a bank that could satisfy all my needs. And I found in Monzo. I'm a premium user because their Premium package is excellent, providing all the extra I need, from insurance to virtual cards to better interest rate. The app is over the top, it provides everything in a very simple way. It happened to me I had to talk with customer service and they were excellent also on this point. Monzo is the only bank also in my life that provided me a "get the money without delay" feature, what I mean is when I receive money they won't let me wait the extra days usually other banks use for doing their own capital. Reviewed on: 20th January 2024

It' so easy and user friendly.

It' so easy and user friendly. I love having pots - it makes everything so simple and organised and we use it as our joint account. It means that for our day to day expenses we always have the money as we don't inadvertantly spend it as we can't see it! Reviewed on: 20th January 2024

The best electronic banking I have experienced.

The best electronic banking I have experienced. So easy to use and I’m over 70! Reviewed on: 20th January 2024

It is strange to review a bank, but...

Monzo has been my first banking experience in England. Despite the fact that I did not had any credit, all my earnings and habits were seen by Monzo. And it's funny because I never thought of a bank as something that would help me on my journey, but here I am. Grateful for all the open doors, from a simple debit card, to Monzo Flex, to good loan rates and excelent support to get a refund. Monzo has it all, including me. Reviewed on: 20th January 2024

Monzo take the right things seriously but not everyt...

Monzo take the right things seriously but not everything, creating a vibe unlike most between banks and their customers. Reviewed on: 20th January 2024

Monzo are GREAT!

Monzo are great, customer service is always quick and helpful, the travel aspect of the card is great as I travel for business all the time Reviewed on: 20th January 2024

Monzo is great, I love it!

Monzo is great, I love it!! It’s so easy to use, their customer service is excellent and every time I travel to Spain to visit my family, I have no problem with paying in euros. Reviewed on: 20th January 2024

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