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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)

Fantastic technology and mentality of design

The technology of the app and the mentality behind the features of the account is second to none; if only all British banks thought the same way when designing modern current accounts, British banking would be so far ahead of everyone else. The only thing putting Monzo down is its abysmal customer service. Hopefully that will improve soon. Reviewed on: 15th January 2024

Still the best bank!

Monzo maintain competetive advantage with their app, and back that up with creative products and features Reviewed on: 15th January 2024

Account works well, customer service is lacking in a...

Account works well, customer service is lacking in areas, value for money on the package accounts is slipping Reviewed on: 15th January 2024

Monzo are consistently excellent

Monzo are consistently excellent, offer competitive and useful features, and they engage well with feedback. Reviewed on: 15th January 2024

It's light weight, fast and modern.

It's light weight, fast and modern. I have closed all my other accounts becuase their apps and experience doesn't come close. Reviewed on: 15th January 2024

Monzo - Simplifying Banking

I have been a Monzo customer since their beta days, so have seen the progress they have made. Their current account has always impressed me with its user-friendly app and modern features. The seamless integration of technology into traditional banking services makes managing finances a breeze - looking at you Open Banking, virtual cards, credit score etc. Monzo has streamlined everyday transactions. Transparent fee structures, reliable customer service via in-app chat (I've ever had a bad experience), and robust fraud prevention further contribute to a positive banking experience. While some people may find Monzo lacking physical branches to be a negative, the convenience and innovation offered by Monzo make it a standout choice for a hassle-free and modern banking solution. Reviewed on: 15th January 2024

A seamless experience

I've been with a few banks over the years, but Monzo come out on top for each category I'd expect from a bank. Their app is by far the best, and since the recent overhaul of the app it's only gotten better, with new features working great, and the engagement from Monzo staff on their forum is excellent. Home screen allows me to see a snapshot of my finances, and I can then drill into more detail with just a tap if I need to. Pots are incredibly useful, not sure how I managed without them before. Flex is great, easy to understand. Trends is amazing, we're already saving money from using the categorisation, and the targets feature has really helped us cut back to save money; so far this month we're spending 49% less than last month! Reviewed on: 15th January 2024

Customer of many years, never had an issue

Been a customer of monzo for many years and seen them expand much further than other fintech banks and emoney providers over recent years. the product ticks almost every box I couldn’t need from a bank, just a bit of a shame that the open banking and virtual cards come with a monthly fee, whereas other banks and providers offer them for free. Reviewed on: 15th January 2024

Keeps track of your money

Keeps track of your money , where you spend it, and how often you spend on items. Really helps you budget and stick to it . Reviewed on: 15th January 2024

I've had an account for years.

I've had an account for years. On the couple of times I've needed support I've been able to get through to someone quickly and get things sorted Reviewed on: 15th January 2024

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