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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)

Absolutely Brilliant service highly recommended

Excellent service provided step by step Reviewed on: 19th January 2024

Best user experience in the industry

Best user experience in the industry Reviewed on: 19th January 2024

Great bank

Used the account for years, it’s great. Reviewed on: 19th January 2024

Effortless Daily Banking with Monzo Plus

1. Account Management: Efficient for daily transactions and savings. Monzo Plus offers a comprehensive view of all financial accounts in one place which I appreciate. 2. Customer Support/Enablement: Responsive and flexible, especially for requests like increased transaction limits. I appreciate not having to go through the traditional customer service loops to manage my account. It makes me feel in control of my money yet protected. 3. International Use: As everybody knows, using your card abroad with Monzo is great and you don't feel like you're losing money just for spending abroad. 4. Payment Organization: Simplifies scheduling payments and managing subscriptions. 5. Minor Issue: Some difficulty encountered when changing my display legal name. 6. Overall Recommendation: I tell my friends often about making Monzo their main bank often! Reviewed on: 19th January 2024

Monzo Monday

It’s honestly a very easy way to split up money, especially when creating new pots or starting different accounts within Monzo-very informative. Reviewed on: 19th January 2024

Very fast efficent, service with a lot of perks to h...

Very fast efficent, service with a lot of perks to handle my finances to make it more comvient with thier features. Reviewed on: 19th January 2024

Does banking really well, and customer service is ex...

Does banking really well, and customer service is excellent. Reviewed on: 19th January 2024

Constantly evolving personal account.

Constantly evolving personal account. Lots of products to chose from: round up pots, saving pots, investments, cashback, credit card just to name a few. Love it! Reviewed on: 19th January 2024

Monzo is getting bigger, loosing what made it great

Despite rating Monzo 5 stars previously, and always supporting their nominations into awards, unfortunately, as the bank has grown, particularly over the past 12 months, it has lost its touch with what made it great. To name a few; I understand that there is always a natural response to change, but the app redesign took away a few key visual reminders around the balance of all my accounts - wiping away the value it gave me to keep spending under control. Another, I am now forced to use saving pots in order to access any interest rate - this has meant my account no longer works well with my budgeting app, and added an additional step to seeing my total balance. A lack of innovation on the Plus account led to me moving to the free account. Lastly, the customer service is really difficult to access - most respond like robots, and if you don't view the response within a couple of hours, the option to view their answer vanishes and I have to start again. I can count on one hand how many times I have had to contact customer services since being a customer, back when Monzo had a slightly different name, and it makes me incredibly nervous if I ever need their help. Reviewed on: 19th January 2024

Saving and sorting

Monzo help me see my spending and help me save. Their pots spesifically their instant accesssaving pot is fantastic. They also helped me with a money dispute and sorted the whole thing for me and made it all super easy. Reviewed on: 19th January 2024

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