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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

221% 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)

Mixed feelings from a user since beta and lack of features

I have been with Monzo since beta many years ago. Support used to be good but over the years it has declined and now you even get staff that tell you wrong things on live chat. Then pass you on so they get away from it. I have been waiting for features they scrapped after promising they were coming. Cheque imaging isn't a thing with Monzo. You have to post them freepost and they get lost. Or you pay recorded which is a joke tbh. Imaging is needed. Posting a cheque is really stupid and archic. If that cheque gets lost, you have to get the person to reissue it... 99% of banks with cheques have cheque imaging. Monzo are NOT working on it at all. IBAN is a big one. They recently announced IBAN for Europe after many years of people asking for it, but not to the USA still even though so many people ask for it. So you have to use Wise for international payments still.. No IBAN wo the USA and no cheque imaging still after all these years Also customer support is poor now. You get passed around between staff and some just post random unrelated things. I even had one blame payment issues on something I haven't ever used for RECEIVING not making payments. So it wasn't even close to being related but they blamed a random thing that it wasn't. Then passed me onto someone else who said the opposite. Then they passed me on, Then they passed me on etc. Goes on like this. Replies are slow now and can take days, especially if it has been passed onto someone else. I had payment issues with 3D secure as apparently their system should reply back with a code after you approve a transaction in the app so that it can finalise, but this didn't happen on ANY 3D secure transaction so they said it was a issue on the shops payment provider end. Then they asked me to contact the shop about it, but that shop is a Chinese online store that is famous for bad support. I spent 9 hours on there total and they don't understand. Surely it should be the bank speaking to their payment provider, not me speaking via the shop who don't understand payment issues?! So this never got resolved. With the lack of features vs other banks and poor support, I can't recommend Monzo. Some app banks have interest on balance or cashback on card payments. Meanwhile Monzo has the most minimalistic features and even a paid plan! I personally think the paid subscription and working on monzo USA before getting the bank more up to date with features, was a bad idea. There are much better alternatives Reviewed on: 11th April 2023

EASY, MODERN, EFFECTIVE

Very easy to use and great customer service Reviewed on: 11th April 2023

Simply the best!

Easy to use and can manage my money alot better! The pots are amazing too! Reviewed on: 11th April 2023

Use

It’s very easy to use and very easy for maintain Reviewed on: 11th April 2023

Helped someone with Dyscalculia finally get banking

For the first time in my 37 years I’ve found a bank that enables me to get a grip and understand my finances. The tools explain to me the relation between the numbers on screen, the value and what it means to me. It’s enabled me to actually not finish the month in the red for the first time and the first time I’ve spent money with a bank I feel is worthwhile. Couldn’t recommend it enough Reviewed on: 11th April 2023

Very bad experience

As I try to apply account at Aug 2022, I can not obtain the offer. After half year, I try to applicate again at Mar 2023. The app shown me I used VPN ( I do not use VPN and I live in England) and not process my application during I use my same mobile phone number. I try to contact Monzo by e-mail. I wait one week, they ask me provide proof address document. OK, I reply and attach during 10mins. Another one week, they said that they take a look about my application for AUG 2022 and they have same desicion. I only want they cancel my last application, thus I can use my mobile phone to applicate this time. Maybe, I need to wait one week ,two weeks for they reply. It is very crazy experience. Reviewed on: 11th April 2023

No hassel

Card arrived the following day Set up easy Instant debit details in pounds even if you’ve spent in euros Reviewed on: 11th April 2023

Brilliantly easy

Like my tiles says , Monzo is brilliantly easy to use . So quick at every transaction, painless and very easy Reviewed on: 11th April 2023

Monzo makes managing money easy

Before using Monzo I needed a budgeting app in addition to my banking app. This meant that I needed to regularly reconcile my budget with my banking app to ensure that I was keeping to the budget. This was tedious work and often meant that I couldn’t bring myself to do it and that meant I wouldn’t stick to the budget. With Monzo, and especially with their Pots, I can have my budget and my current account together, as it should be! I can easily see with a glance if I cam sticking to budget or if I need to make adjustments through the month. Monzo makes managing money so much simpler; they certainly make money work for me. Reviewed on: 11th April 2023

Effortless

Every feature makes day=to-day banking effortless, with nearly every function being a couple of clicks away, and the new features and products solving pain points you unwittingly just put up with before. Reviewed on: 11th April 2023

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