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Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19403 reviews)

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4.93

Based on 19,403 reviews, last reviewed 5th May 2026

3120% 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

I’ve had a really positive experience with Monzo. I’ve had a really positive experience with Monzo. The app is intuitive and makes everyday banking simple, especially with instant spending notificatio... Read more Reviewed on: 5th May 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 (19403)

Banking. Made Simple.

With a plethora of features that take traditional banking to the next level, Monzo is by far the best mainstream bank that gives you the functionality to make banking simple. From the ability to sort your salary into separate acccounts and have payments and Direct Debits be paid from them, to being able to easily split a purchase into three 0% payments - Monzo just makes it easy to do what you want with your money when you want. The major drawback is putting Open Banking functionality behind a paywall. Many traditional banks are now allowing you to see other bank accounts within their application for free but Monzo does insist this is a Plus/Premium exclusive feature. Reviewed on: 16th January 2024

Straight forward, great service and keeps up with ba...

Straight forward, great service and keeps up with banking trends Reviewed on: 16th January 2024

Monzo is THE best bank I have ever used!

Monzo is THE best bank I have ever used! They are modern and are leading the way to how banking should be, simple and easy! I cannot think of a single bad thing about them and I tell everybody to use them. I use them for my personal banking, business banking and I hope they start offering mortgages soon so I have no reason to bank with anybody else! Reviewed on: 16th January 2024

I wouldn't imagine my financial life without my Monzo

I wouldn't imagine my financial life without my Monzo account! It keeps me in check with my finances Reviewed on: 16th January 2024

Monzo is a brilliant all-rounder

I have been with Monzo for a number of years now and have never had an unpleasant experience. Being so easy to use, Monzo is definitely my number one preference when it comes to current account banking. Reviewed on: 16th January 2024

Using monzo has helped me budget better, enabling me...

Using monzo has helped me budget better, enabling me to pay off my credit card and get over halfway towards my savings goal in under 12 months. I rarely need to speak to their customer service team as the app is very simple but when I have (about a weird payment I spotted) they were super helpful and very friendly. Reviewed on: 16th January 2024

I got scammed and had £200 taken from my account and...

I got scammed and had £200 taken from my account and monzo gave it back to me i was very pleased by there immediate action and very helpful advice they gave me on how to stop getting scammed again by any more scammers and also help and advice on password and pin security not to be given to anyone even if they say they are a banking company and also not to give anyone the cvv number on your bank card. Reviewed on: 16th January 2024

The app design very pretty and user friendly, makes...

The app design very pretty and user friendly, makes me more checking my account than before.. Reviewed on: 15th January 2024

Outstanding modern-day banking.

Outstanding modern-day banking. Nothing comes close. Reviewed on: 15th January 2024

Managing money - simple and effective

Before opening my Monzo account I was in years of slowly accumulating debt. I found budgeting really tricky and was endlessly surprised by a subscription of direct debit. But now my debt are cleared and I’m saving money every month. Monzo makes my money so clear it’s changed my life. Reviewed on: 15th January 2024

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