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Monzo: Current account reviews

View other Monzo products
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
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

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
Mncedisi M's avatar
Mncedisi M

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
Philip B's avatar
Philip B
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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 (19422)

Best bank

5
Very easy to use, great tools for money management. Great customer service, Monzo has it all. Reviewed on: 1st June 2023
Jamie's avatar
Jamie

Excellent Online Bank

5
My wife and I have add accounts with Monzo for over 4 years and we find it a joy to use. It is easy to set up pots for budgeting and the ability to pay direct debits from a pot helps a lot with managing our spending. Reviewed on: 1st June 2023
James Evans's avatar
James Evans

I recommend over and over again

5
Monzo is a fantastic bank. Its very easy to budget and monitor finances. Shared tabs are a fast and easy way to share bills and costs. Excellent app design. Reviewed on: 1st June 2023
Bex's avatar
Bex

Excellent all round.

5
What can I say, the app works, the card works, the account has cool features, flexing payments, managing direct debits etc. So much nicer than my high street banking apps. Hopefully they will do mortgages soon as well ... Reviewed on: 1st June 2023
Jake's avatar
Jake

Monzo Plus is helping me to change the way I manage my money

5
I signed up for Monzo Plus at the beginning of May and it really is helping me to manage my money differently. Although there is a small (£5) monthly fee for having this type of account, the benefits are very much worth the cost. Being able to set custom categories for my spending, look at trends, get spending reports, and set budget targets is making me pay far more attention to what I am spending and where, and I eagerly check the Trends tab in my app every morning to make sure that I am still on track. Given that I have a history of compulsive spending due to mental health issues, the fact that I am now able to get control of my spending really is a huge step forward for me, and Monzo Plus is the main reason I have been able to do this. Thank you! Reviewed on: 1st June 2023
RosyPosy1970's avatar
RosyPosy1970

Company has gone downhill.

1
Bought an item off the internet. I did not receive the item, I contacted the bank and they just replied with pre-written templates. I made a complaint and they refused to deal with my complaint claiming they were too busy to deal with my complaint. I would avoid all this small banks and go back to the old school high street bank. Never trust online banks that can not even deal with customer complaints. Reviewed on: 1st June 2023
Nigel Patrics's avatar
Nigel Patrics

Beautiful app and easy payments

5
The best thing about Monzo is how easy it is to request payment from people for something small. Setting the amount you are able to share a link or qr code so people can pay you without inputting bank details. Genius. Reviewed on: 31st May 2023
Blue Sky's avatar
Blue Sky

Excellent

5
Amazing company & easy to use app! Reviewed on: 31st May 2023
D's avatar
D

Love the app

5
The Monzo app is amazing, makes banking so easy! They have great exchange rates also so on top of normal banking I also use it as one of my travel cards. Reviewed on: 31st May 2023
C S's avatar
C S

Easy and stress free

5
Monzos easy to use app aswell as quick and clear credit options get rid of so much scary lingo I’ve found with other banks. It’s simple and easy to use and stress free to manage Reviewed on: 31st May 2023
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