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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%
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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)

Monzo makes managing money easy

5
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
Shane Haw's avatar
Shane Haw

Effortless

5
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
Hugo St. John's avatar
Hugo St. John

Quick, Easy, Reliable

5
I am very pleased with my Monzo packaged account, they offer a lot of value. The application is amazing and modern, the customer service is quick to respond and unfortunately I had to contact the fraud team as well and my issue was resolved quickly. Not to mention I love the exclusive white steel card I got. Thanks Monzo! Reviewed on: 11th April 2023
William Roland White's avatar
William Roland White

Fabulous banking

5
Had Monzo account for some Time and really enjoy it easy use efficient and great Reviewed on: 11th April 2023
Abbas Dalhatu's avatar
Abbas Dalhatu

I love Monzo!

5
Monzo has put me in control of my finances! The app is easy to use and features like pots has made it easier to save for various life events including my first home. Reviewed on: 11th April 2023
Neha V's avatar
Neha V

Hands down a winner

5
Monzo has been one of the best decisions I have ever made. Not only does it avoid the bureaucratic BS that other banks force upon you, there systems legitimately help you save by putting your finances in your hands. There app and systems are leaps ahead of any other high street bank. Reviewed on: 11th April 2023
Jacob Norman's avatar
Jacob Norman

Best Bank Ever

5
Easy to use product - absolute trailblazers Reviewed on: 11th April 2023
Rizwan Chaudhry's avatar
Rizwan Chaudhry

Great for Budgeting

5
Using Pots, setting scheduled payments from these pots and using virtual cards has made it so easy to organise my finances, as well as being able to see all my other accounts in one place. Being able to assign category’s and add notes is a great help in tracking spending in specific areas. Reviewed on: 11th April 2023
Eleanor Dawson's avatar
Eleanor Dawson

Great bank - can't recommend enough!

5
Opened a Monzo account initially just to use while on holiday for the fee-free transactions abroad but ended up switching my Current Account from Santander to Monzo after I realised how easy it was to track spending and keep on top of my finances. I love the interface of the app and the ability to categorise spending and round up into pots - it puts a fun into finance I wouldn't have thought was possible. Have recommended to 4 friends already! Reviewed on: 11th April 2023
Shannon's avatar
Shannon

Simple, intuitive and modern

5
Their customer service is impeccable. The app is easy to use and ever evolving. The interface is gamified and enjoyable - without doubt it’s the best bank in the UK, especially for younger folk like myself starting to build savings. 11/10 Reviewed on: 11th April 2023
Toby Feldman 's avatar
Toby Feldman

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