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Monzo: Current account reviews

View other Monzo products
4.84
Based on 19,431 reviews, last reviewed 6th Sep 2026
97% decrease in 5 star reviews
in the past 90 days
93% decrease 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

Great app and easy to use with lots of different fea... Great app and easy to use with lots of different features! Reviewed on: 6th September 2026
Stuart McCune's avatar
Stuart McCune

Latest lowest rating:

1

I had a joint account, got taken advantage of, monzo... I had a joint account, got taken advantage of, monzo only chased me for the funds ans reported an overdraft I didn’t use or was aware of in my credit ... Read more Reviewed on: 31st August 2026
DreadHead87's avatar
DreadHead87
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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 (19431)

Simple, Smart, and Stress-Free Banking with Monzo

5
I’ve been using a Monzo current account for a while now, and it’s honestly one of the best banking experiences I’ve had. The whole process of opening the account was quick and straightforward, all done through the app without needing to visit a branch or deal with paperwork. One of the standout features is the mobile app. It’s incredibly easy to use and makes managing money simple. I can instantly see where my money is going thanks to automatic spending categories, and the real-time notifications every time I spend help me stay on top of my budget. Features like Pots also make it easy to set aside money for bills or savings without feeling complicated. Another thing I really like is how transparent Monzo is. There are no hidden fees for everyday banking, and everything is clearly explained in the app. Sending and receiving money is fast, and splitting bills with friends is very convenient. Customer support has also been helpful whenever I’ve needed it, with quick responses through the in-app chat. Overall, Monzo makes everyday banking feel modern, simple, and under control. If you prefer managing your finances from your phone and want a clear view of your spending, I’d definitely recommend giving Monzo a try. Reviewed on: 12th March 2026
Charlie K's avatar
Charlie K

Very quick and easy to use, even made my daughter he...

5
Very quick and easy to use, even made my daughter her own card and she loves it Reviewed on: 12th March 2026
Kirsty B's avatar
Kirsty B

Having used Monzo as my only main bank since 2019 it...

5
Having used Monzo as my only main bank since 2019 it’s absolutely brilliant- I feel I should have commission for the amount of friends and family I have tried to convince that it is far superior to any main bank out there. Absolutely brilliant in every way - If you haven’t tried it then you need to! Reviewed on: 12th March 2026
Chris B's avatar
Chris B

Good overall

5
Good options for investments, e.g. ISAs. Good savings methods like top up and the 1p challenge. Never had an issue with taking money out or putting it in, signup process is a little tedious but well worth it. Reviewed on: 12th March 2026
Redel's avatar
Redel

I love Monzo.

5
I love Monzo. Have the whole family using it. It's great for saving. The cashback and perks are also brilliant additions. Reviewed on: 12th March 2026
Lj's avatar
Lj

USER FRIENDLY AND INNOVATIVE

4
Monzo is incredibly user friendly platform and keeping me updated of the latest offerings, news and changes to T&C’s. They are trying to improve with adding new products to their portfolio (I have taken up savings challenges, pots, cashback and ISA investments) and can’t wait to see what they add to home area and insurance area in time to come but they have so many more products available. For paid accounts you get a lot more and my rating is only 4/5 because I wish they offered 1 virtual card for free AND I wish it could allow me to invest in specific ETF’s but I am sure this will come down the line. Reviewed on: 12th March 2026
B H's avatar
B H

Great Bank, good and understandable

5
Brilliant company, regular updates on credit score and ways to improve, clear and readable layout. Helps when you need them and have a user friendly app interface. Easy and quick to send and receive money and have option to cancel a payment if sent by accident or to the wrong person. Definitely suggest to others Reviewed on: 12th March 2026
stash janczar's avatar
stash janczar

Used monzo for 5 years never had a issue brilliant b...

5
Used monzo for 5 years never had a issue brilliant banking app and overall system easy to use and very reliable Reviewed on: 12th March 2026
Dylan's avatar
Dylan

monzo is great it is a simple app to use and the fea...

5
monzo is great it is a simple app to use and the features are good Reviewed on: 12th March 2026
bj's avatar
bj

Monzo is amazing best bank easy to be with and grat...

5
Monzo is amazing best bank easy to be with and grat customer service when neede Reviewed on: 12th March 2026
Jeffrey's avatar
Jeffrey

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