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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19421 reviews)

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4.85

Based on 19,421 reviews, last reviewed 19th 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

Such a good bank with fun opportunities to get extra... Such a good bank with fun opportunities to get extra cash. Not only this, they give free techniques, services, tea and advice on money and accounting. Reviewed on: 19th 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 (19421)

Great value

Great as a basic account, and it works even better if you have friends on it. Reviewed on: 19th January 2024

Monzo is amazing at online banking, I'm so happy to...

Monzo is amazing at online banking, I'm so happy to use Monzo because I can see my online savings pot if want I Woodrow from saving etc Monzo has a lot of facilities I want to say I love Monzo Reviewed on: 19th January 2024

Excellent bank, 100% recommend.

Been with Monzo for nearly 5 years now. It’s an excellent bank which helps manage my spendings and help me separate my savings for different purposes in personalised pots. Reviewed on: 19th January 2024

Banking app is brilliant.

Banking app is brilliant. The ability to have virtual cards is a great idea. Round ups is a great way of saving and spending insights is most helpful Reviewed on: 19th January 2024

I've only got positive things to say about Monzo.

I've only got positive things to say about Monzo. Being able to withdraw money a day early and instant notifications when money leaves the bank give me relief and helps me to keep an eye on my spending and finance's. Reviewed on: 19th January 2024

Life Changing

Completely life changing vs using the incumbents for years. Simple, yet hugely effective. Will never look back. Reviewed on: 19th January 2024

Easy to set up and manage account, features help mak...

Easy to set up and manage account, features help make managing money much easier than regular banks, app is extremely functional. Reviewed on: 19th January 2024

I love my Monzo

I love my Monzo and flex accounts, they offer great rates and flexibility and I’m really happy with the service Reviewed on: 19th January 2024

Monzo is the future, and the present!

I discovered Monzo during a period where I started to get fed up with mainstream high-street banks. At first glance the Monzo solution looked new, and customer-focused, and generally did lots of things that I felt would benefit my lifestyle. At the back of my mind was the understandable concern of "will they last and do I want to move my money there?" and so I kept the Monzo account on one side and used it for smaller purchases here and there. Time ticked by and I continued to see and hear good things about Monzo, and my confidence grew. One day I decided to make the switch, and with a heavy dose of dread I clicked the button for the account switch service. It asked me for a switch date, and for some very basic account details, and I settled myself in for a long admin slog. "Thanks" said the next screen, "your account switch is scheduled". I stared at my phone in disbelief and I clearly remember saying out loud "What? You mean that't it?!". And yes, that really was it. It's the move I should have made a long time before I did it. Everything was transferred, all of my incoming funds just kept coming in, all of my bills continued to be paid, and my old high-street account was closed. So, if you're wondering whether it's worth the switch then let me just tell you... it is. Click the button. Now. Reviewed on: 19th January 2024

Great swrvice

Been nothing but happy with my monzo account, helpful and great service Reviewed on: 19th January 2024

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