Write a review

Go to business site

Monzo: Current account reviews

Name: Current account
Rating: 4.93 (19403 reviews)

View other Monzo products

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

Read all reviews Write a review

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.

Review Monzo: Current account now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Makes money easy

Monzo's pot system has made sorting my money and budgeting easier for me. Reviewed on: 30th May 2023

Wowsers

Bestest, easiest bank there is, I've tried them all when scooting from 1 to another cashing in on the intro offers but decided to stick with monzo even though there was no intro offer. Reviewed on: 18th May 2023

Lacking features STILL

I have been a customer since beta. Many years. They al too quickly dump features they are working on, for less useful ones such as UI. They even made a US monzo account before implementing IBAN and SWIFT, which only JUST got added, but only for EU, not for US etc... No cheque imaging and no plans for it. You post it via the mail and watch it go missing. It did for me 9 times total. I ended up having to PAY to post it recorded and it STILL WENT MISSING! They say "not enough people use cheques with monzo" no of course they dont as they dont post them in,,,. they use their main bank account which is why so many don't go !full monzo" So still no IBAN/SWIFT outside europe, nor cheque imaging even after about 6 or 7 years. There are banks that have all this and better service too as monzo customer service is shocking. You get passed around and often get told lies and misinformation before they pass you on again.. I simply can't recommend and I have been using them all the time for all these years. This year I opened a bank account with a better bank who are adding features all the time. Reviewed on: 12th May 2023

Easy to use and simple

Great app, easy to use and see what's what with your account Reviewed on: 11th May 2023

The future of banking

Been with them over 5yrs and they have never failed to impress me. Beats all the high street banks easily. Reviewed on: 11th May 2023

Delightful Banking Experience

For 2 years I have had the pleasure of being a Monzo Bank customer, and I am thrilled to share my overwhelmingly positive experience with this innovative and customer-centric banking institution. From its sleek mobile app to its transparent and user-friendly features, Monzo has truly redefined what it means to have a happy and hassle-free banking experience. User-Friendly Mobile App: One of the standout features of Monzo is its incredibly intuitive and user-friendly mobile app. Upon signing up, I was greeted with a beautifully designed interface that made navigating the app an absolute breeze. From managing my accounts to tracking my expenses, Monzo's app excelled in providing a seamless banking experience. The interface is clean, modern, and well-organized, allowing me to effortlessly access the features I needed. Transparent and Real-Time Notifications: Monzo Bank truly understands the importance of keeping customers informed. With Monzo, I received real-time notifications for every transaction, which provided me with a sense of control and security over my finances. Whether it was a payment, withdrawal, or deposit, I was instantly notified, ensuring I never missed a beat. Additionally, the app's transparent breakdowns of my spending habits helped me gain valuable insights into my financial patterns and make more informed decisions. Exceptional Customer Support: In the rare instances when I required assistance, Monzo's customer support team impressed me with their efficiency and professionalism. Their dedication to resolving any issues promptly was evident, as they responded to my queries in a timely manner and provided clear and concise solutions. The support team's friendly demeanor and willingness to go the extra mile truly made me feel valued as a customer. Budgeting Made Easy: Monzo's built-in budgeting tools have revolutionized the way I manage my finances. The app allows me to set spending targets for different categories, such as groceries, transportation, and entertainment. With automatic categorization and real-time updates, I can easily track my expenses and identify areas where I need to be more mindful. Monzo's budgeting features have helped me gain control over my spending, save more efficiently, and work towards my financial goals. Security and Fraud Protection: Security is of utmost importance when it comes to banking, and Monzo takes it seriously. The bank employs robust security measures to protect customer data and transactions. The app provides the option for biometric authentication, adding an extra layer of security to access my account. In the event of any suspicious activity, Monzo's proactive fraud protection mechanisms swiftly alert me, ensuring my finances are safe and secure. Seamless International Banking: As a frequent traveler, Monzo's international banking capabilities have been a game-changer for me. With Monzo, I can make transactions abroad without worrying about excessive fees or unfavorable exchange rates. The ability to instantly convert currencies within the app at competitive rates is incredibly convenient, making Monzo my go-to choice for all my international banking needs. Conclusion: My experience with Monzo Bank has been nothing short of exceptional. The user-friendly mobile app, transparent notifications, exceptional customer support, and robust security measures have made banking with Monzo an absolute pleasure. The budgeting tools and seamless international banking features have added tremendous value to my financial journey. Without a doubt, Monzo has set a new standard for modern banking, and I wholeheartedly recommend it to anyone seeking a happy and hassle-free banking experience. Reviewed on: 10th May 2023

Amazing

Amazing bank, so easy to talk to someone, easy app that does what it says, it’s simple and not flooded with advertising products, so simple to manage money - truly an amazing bank and all banks should take note Reviewed on: 9th May 2023

Amazing Bank

I have been with Monzo since Beta and its been fantastic to see the bank grow the way it has. Not all changes are always welcomed by everybody but Monzo is sticking with its long term strategies and its good to see. From a customer service point of view ive only ever used the service twice. Once was on the way to the airport bound for the U.S and i had misplaced my Card. The team arranged a new card to be sent and it arrived at the hotel within a matter of days. The other time was a unauthorised payment which actually turned out to be a authorised payment but the team still went through all the steps with me and helped me understand my errors too. Product wise: Im a monzo premium user and virtual cards is just amazing, the only thing i would add is the ability to scan cheques like other banks. Reviewed on: 28th April 2023

Monzo is the best bank in every way.

I used to bank with Barclays but now I use Monzo. Their app is easy to use and makes sense of all my finances. Saving with “pots” has changed my life. Reviewed on: 27th April 2023

I was never good with money until...

I got Monzo, being able to view my usage on my phone has been instrumental in building good habits of use. Monzo helps me save, helps me secure my money with pots and makes spending easy at the same time. Honestly if you're not looking at Monzo as a leader in mobile banking you're probably doing something wrong! Established banks should be worried! Reviewed on: 25th April 2023

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Graduate Current Account
from RBS 3.74 from 11 reviews
Graduate Current Account
from Bank of Ireland 0.00 from 0 reviews
Standard Current Account
from Ulster Bank 3.53 from 36 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Under 16s account
from Monzo 4.97 from 944 reviews
Flex Purchase credit card
from Monzo 4.97 from 3173 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub