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Monzo: Current Account reviews

Name: Current Account
Rating: 4.93 (17224 reviews)

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4.92

Based on 17,224 reviews, last reviewed 6th Dec 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Good bank in mobile application. Very good start ,good bank, good application in mobile. Reviewed on: 6th December 2025

Latest lowest rating:

1

Account Clouser Monzo decided to close my account In September 2025, and they informed me about this in July 2025. They refused to give me any reason as to why they w... Read more Reviewed on: 26th September 2025

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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.

Monzo Current Account reviews (17224)

Review of the Monzo, Current Account:

Best UK current account by far - faster, slicker, more innovative and transparent than everyone else.

Monzo... where to start?! They've consistently raised the bar for every aspect of what a bank should be for me, to a level higher than even the other challenger banks. They first won me over by offering instant, detail-filled notifications about everything which happens on my account (not just payments, but verifications, refunds, declines, fees etc.) - telling me things like the decline I just had was because I entered the wrong CVV! Then, they built more features on top of the platform (e.g. savings pots which you can specify certain direct debits to come out of, etc.). Then they launched overdrafts and loans, both of which I've not used and have found a very smooth user experience with no delays at any stage of the process. I should note, that while my Monzo is my main account for my salary and almost all bills, the card I spend with regularly is my Curve card (which usually spends directly from my Monzo, but gives me unique things which only Curve can do) - Monzo and Curve are my two most loved fintech products. Right from the start, Monzo have been more transparent and communicative as a company than almost any other company I know, even outside of the finance and technology areas! For example, their easy-reading but super-detailed "Making Monzo" blog is a goldmine of interesting insights and technical expertise which shows how incredibly talented their team are, and builds up my trust in them massively as the kind of company I want to deal with. When things go wrong at traditional banks, they keep it quiet at all costs, sweep it under the rug, downplay it and lie about it to stop people worrying. Half of the time, when things go wrong at those banks, you don't even know it! Your expectations are actually so low of what service you receive (e.g. transactions taking days to fully complete, no banking at the weekend or even overnight...), that they actually have quite a lot of time to fix things quietly in the background without telling you. However with Monzo, when things go wrong they immediately tell everyone about it, scramble to fix it, then afterwards write up a super detailed blog post explaining exactly what went wrong (in all the gory technical detail) and what they're doing to make sure it never happens again. Now THAT is what I want from my bank, and in that area of transparency, Monzo are a million miles ahead and leading the pack. I can only hope they are as successful as they deserve to be, and their company culture is around for a long time. <3 Reviewed on: 3rd January 2020

Easy to use, app based, good customer service

Easy to use, app based, good customer service and quick responses, nice features available like savings pots and goals are useful to encourage saving, insights into spending comparisons are helpful in money management. Overall excellent product Reviewed on: 19th April 2025

I am very satisfied to share my experience with Monz...

I am very satisfied to share my experience with Monzo Banking services. Reviewed on: 19th April 2025

Very good current account, plus interest paid too at...

Very good current account, plus interest paid too at a reasonable rate. Reviewed on: 19th April 2025

Easy to use intuitive platform and they are educatin...

Easy to use intuitive platform and they are educating me too! Reviewed on: 19th April 2025

Future of banking

So easy to use and brilliant user interface - great offers with cashbacks and savings accounts etc Reviewed on: 19th April 2025

Very easy to set up & use.

Very easy to set up & use.I especially like the noise when money is paid in (not so much out) lol Reviewed on: 19th April 2025

Good communication from employees

Good communication from employees Reviewed on: 18th April 2025

Love the current account used them for years.

Love the current account used them for years. Fast, easy to access, love the new products introduced all the time Reviewed on: 18th April 2025

Brilliant, monzo is so easy to use.

Brilliant, monzo is so easy to use. Considering so many branches are closing for other banks I enjoy the ease of being able to do all my banking needs from an app. Reviewed on: 18th April 2025

Easy user interface, excellent holiday card

I like the easy user interface, and how easy they make using my card abroad. Reviewed on: 18th April 2025

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