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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)

Always excellent for service and brand

Always excellent for service and brand Reviewed on: 12th March 2026

I joined this bank, not so long ago but the easy acc...

I joined this bank, not so long ago but the easy access and the great customer service with this banking is exceptional. It’s perfect for standard day to day account , saving and I seen it used for business accounts. I think that is incredible how a bank team can offer this option. It’s a truly recommendable banking and I will recommend to friends and family. Reviewed on: 12th March 2026

Why i’d recommend Monzo

Started my account with Monzo 2 years ago and also have a joint account with them more recently. Never had any problems with them, money transferred is there immediately and can access pay from 4pm the day prior. Issues sorted quickly, never any problems. Reviewed on: 12th March 2026

Good service, easy to deal with, very responsive.

Good service, easy to deal with, very responsive. Easy to use app and very intuitive. Easy bank transfer process and good perks with the pay for accounts. Reviewed on: 12th March 2026

Been with monzo since 2020, great bank, great produc...

Been with monzo since 2020, great bank, great products which I use including the loan, overdraft, insurance too. I trust them more than any other bank Reviewed on: 12th March 2026

I started using it this year.

I started using it this year. The app’s UI is very good, and I like the app very much. Reviewed on: 12th March 2026

Fantastic bank

Since starting banking with monzo my finances have improved greatly, the use of pots to manage my outgoings has been a godsend. I love how they show you pending transactions so if I have forgotten something you can see that it is due within a few days and plan for it. I love the credit insights available on the monzo app, it has helped me track accounts that have been damaging my credit rating so I have known what needs to be worked on to improve my score (which has risen significantly since opening this account). The extra services available such as Contents insurance, cashback and monzo max are really great value for money and all in one easy to manage place. I have seen bad stories about monzo online and in reviews but to date they do not reflect my experience and I hope they never do as the monzo account meets my needs and supports me to make good financial decisions and manage my outgoings. Reviewed on: 12th March 2026

Best bank I’ve been with!

Best bank I’ve been with! Good communication, nice cash back offers and easy to use app! Customer service is always prompt I love monzo as a bank. I’ve even switched my business account to them and my current account! Reviewed on: 12th March 2026

Brilliant bank.

Brilliant bank. Recommend it to everyone! Reviewed on: 12th March 2026

I’ve been with Monzo for 2 years and set up a busine...

I’ve been with Monzo for 2 years and set up a business account last year and the thing I like about Monzo business is that every month they do a recap of what you earn each month and what out goings have been out. And the most humorous thing is they calculate your out goings to how many pizzas or bananas you could of have brought which is funny Reviewed on: 12th March 2026

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