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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.

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)

Review of the Monzo, Current account:

Monzo remain the leading bank in the UK.

Monzo remain the leading bank in the UK. Legacy banks are following in their steps and trying to become fintechs... but Monzo are always 2 steps ahead... Reviewed on: 25th May 2025

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

I got my Monzo card in summer of 2022 and since then...

I got my Monzo card in summer of 2022 and since then I’ve never thought a sour switching banks. Their app layout suited my needs and their other feature such as early payments on Thursdays were perfect especially since I get paid weekly. Reviewed on: 19th January 2024

Monzo is the best bank!

Monzo is the best bank! Period!!! Reviewed on: 19th January 2024

Absolutely love Monzo.

Absolutely love Monzo. My son recommended them before I went abroad and it's so easy for splitting bills and not being ripped off. Plus transferring some money onto the card means I'm not taking my bank card out with me and also I can limit my day spend where I probably wouldn't if I just used my debit card. I also use it at home for going out and eating out. It keeps my banks prying eyes away from knowing everything I'm paying for by card. Reviewed on: 19th January 2024

Great app, smooth experience.

Great app, smooth experience. Easy to save. Reviewed on: 19th January 2024

Great bank and a good service we have had a account...

Great bank and a good service we have had a account for over 7 years now and I can truly say it’s the best bank I have ever dealt with excellent all the way Reviewed on: 19th January 2024

Monzo has changed my life

I really love using the Monzo pots, I have saved so much money last year! It really has changed my life. They also have a great interest rate on their savings account. Reviewed on: 19th January 2024

Monzo is the best!

I absolutely love Monzo, It’s easy to navigate and love the way we can pay in at Paypoints. I use Monzo for a few things including my bill payments, Transfer to friends. I find the app way to use and the customer services is incredible! I will definitely recommend Monzo to anyone Reviewed on: 19th January 2024

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