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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
96%
See only 4 star reviews
3%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Great app and easy to use with lots of different fea... Great app and easy to use with lots of different features! Reviewed on: 6th September 2026
Stuart McCune's avatar
Stuart McCune

Latest lowest rating:

1

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
DreadHead87's avatar
DreadHead87
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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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Monzo Current account reviews (19431)

I’ve been with Monzo for nearly two years, I have a...

5
I’ve been with Monzo for nearly two years, I have a current account, a flex credit card and a loan with them and they are excellent. I’ve contacted them with a question. About my account in the past and they were very helpful and fast to respond! I have recommended them to multiple friends and family! Reviewed on: 12th March 2026
Alexandra p's avatar
Alexandra p

Monzo Current Account Review

5
I’ve been using the Monzo current account for everyday banking and it’s one of the easiest banking apps I’ve tried. The app is very simple to use and gives instant notifications every time money goes in or out, which helps me keep track of my spending. One of my favourite features is the budgeting tools and “Pots”. I can separate money for bills, savings, or different goals, which makes managing my finances much easier. The round-up feature also automatically saves small amounts from purchases, which adds up over time. Another big advantage is that there’s no monthly fee for the standard account and you can spend abroad without foreign transaction fees, which is really useful when travelling. The app also categorises spending automatically so you can see where your money is going. The only downside is that everything is app-based. There are no physical branches, and depositing cash can sometimes involve a fee. Overall, Monzo is a great modern bank for people who prefer managing their money from their phone. It’s simple, transparent, and packed with useful tools that help you stay in control of your finances. Reviewed on: 12th March 2026
Mert's avatar
Mert

Fab bank!

5
Fab bank. Never any issues. I love taking part in the 1p challenges. Reviewed on: 12th March 2026
Lois N's avatar
Lois N

Love being able to money a day early!

5
Love being able to money a day early! Reviewed on: 12th March 2026
Nadine t's avatar
Nadine t

Always excellent for service and brand

5
Always excellent for service and brand Reviewed on: 12th March 2026
Rebecca E's avatar
Rebecca E

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

5
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
Joshua b's avatar
Joshua b

Why i’d recommend Monzo

5
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
Thomas T's avatar
Thomas T

Good service, easy to deal with, very responsive.

5
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
George Young's avatar
George Young

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

5
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
Vinnie Carr's avatar
Vinnie Carr

I started using it this year.

5
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
Muhammad F's avatar
Muhammad F

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