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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%
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0%
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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)

An App that will change your life

5
Before Monzo I was never able to track my expenses, save for an emergency fund, having a clear picture of my finances. After many years and many apps I’ve tried to manage my money I still think Monzo is the best on the market. Love it! Reviewed on: 13th April 2023
Elena's avatar
Elena

Best Bank for Beginners

5
Transparent, Legit and Customer Service is good Reviewed on: 13th April 2023
The Drix Project's avatar
The Drix Project

Can't fault it

5
Fantastic current account, used to switch service from my previous bank which was swift and no issues, customer service is fantastic, very friendly and always sort any issues no problem. The flex option is a fantastic option for when in need. Finally the 4pm day before payday option is a lovely bonus for a Friday especially! Overall this is the best bank that I have used and couldn't recommend them more. Reviewed on: 13th April 2023
Joel maloney 's avatar
Joel maloney

Simple banking

5
Been with Monzo sine 2017 and never had a single problem. Literally not 1. I've used it worldwide, from El Salvador to Edinburgh. Never been a victim of fraud, never had my details stolen. So on that basis alone I would rate it far higher than other banks. Reviewed on: 13th April 2023
Alex Cross's avatar
Alex Cross

Revolutionary bank

5
Monzo allows me to save money in ways not previously possible with traditional banks. Their pots, integrations with other apps and easy to app and interface set it miles apart from anything else. Reviewed on: 13th April 2023
Claire Buchan's avatar
Claire Buchan

Exceptional both home and away

5
I've had my Monzo current account for years and love all the money tracking features and round-up money box savings. Since getting Monzo it's been so much easier to visualise my spending and manage my outgoings. Whether in the UK or travelling round Europe, I can use my phone app the same, with no hiccups or difficulties or hoops to jump though. And should anything go wrong, they have the most successful chat feature I've ever experienced. Reviewed on: 13th April 2023
Hope's avatar
Hope

Monzo is the most convenient and efficient bank!

5
From 0 charges in international withdrawals to how easy it is to organise your finances within the app (saving receipt photos, adding notes, creating categories) to the quick and efficient customer service, Monzo is the best bank I've ever dealt with! Makes my life so much easier when traveling or managing my day to day! The customer service is their best selling point, as I've always had trouble with this with other entities. Not to mention all the great account offers without the extravagant added costs! I love Monzo! Use it for everything!!! Reviewed on: 13th April 2023
Silvana Cardoso's avatar
Silvana Cardoso

Easy and fast

5
I’ve been with Monzo for 2 years. I couldn’t survive without the pots, they are key to ensuring I don’t overspend. Reviewed on: 13th April 2023
Jay Halligan's avatar
Jay Halligan

Most user-friendly bank available

5
Used Monzo for a few years now, and honestly can't see myself switching away in the future. Fantastic bank who has never fallen short of expectations. Reviewed on: 13th April 2023
David Smith's avatar
David Smith

long term customer

5
Been using Monzo since the beta, love it. Everything is instant, support is great, cheap exchange rates, excellent joint account support Reviewed on: 13th April 2023
Charlie Graham's avatar
Charlie Graham

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