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Monzo: Current account reviews

Name: Current account
Rating: 4.85 (19409 reviews)

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4.85

Based on 19,408 reviews, last reviewed 7th Jun 2026

15% decrease in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

Fab app, easy to use and manage finances The app is so easy to use, makes everything visible in one place and makes organising your finances a breeze Reviewed on: 4th June 2026

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

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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.

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 (19409)

Review of the Monzo, Current account:

Monzo remain the leading bank in the UK.

Monzo remain the leading bank in the UK. Legacy banks are following in their steps and trying to become fintechs... but Monzo are always 2 steps ahead... Reviewed on: 25th May 2025

Monzo are incredibly helpful

Monzo is a life saver. My first bank account as teenager; their app and customer service made me stick with them. I was able to withdraw my trust fund into the account with no hassle. The app is very clear and concise and well organised, I would definitely recommend Monzo to a friend! Reviewed on: 25th February 2023

Great modern way to bank

If you were to tell me how banking has changed from the old way of cheques, queues and tellers, this would be it. So insightful and Monzo was a secondary account but it impressed me over the years, it’s now become my main account my money moves with online payments and VC, features in general just blows my old bank out the water. Usually I’d say you’d need to change but today I say don’t change, just keep doing what you already know how to do. Reviewed on: 25th February 2023

Amazing online banking

Monzo is the best of all the bank app have used. Easy to navigate, safe,and easily accessible...no ambiguity... Reviewed on: 25th February 2023

Only had to contact you once so far but the customer service was fast and efficient.

Disputed card transaction was handled quickly and I was kept informed of what was happening. I'm very impressed Reviewed on: 25th February 2023

Banking Revolutionised

Monzo has completely changed the way I think about money — my relationship with money is no longer filled with anxiety, but with power instead. With Monzo I am able to organise my finances to suit my needs, and therefore am able to control my spending and separate dedicated spending from flexible spending. I am also able to automate how my money is organised; when I receive my monthly allowance into Monzo, I have set up my that the money is automatically distributed into all my pots according to my budget. And then, with things like repeating card payments for subscriptions, Monzo Plus allows you to use virtual cards which you can attach to a certain pot, which means your payment is automatically taken out of that pot. This has been so handy as all I need to do is stuff my money away into a pot and not think about how much I need to keep for my dedicated spending every time I go to buy something or check my bank balance. There is so much more I could talk about but I think you get the overall gist — for me, opening a Monzo account has been one of the best financial decisions I’ve ever made! Reviewed on: 25th February 2023

Account

It is user friendly and can use anywhere Reviewed on: 25th February 2023

Excellence and an amazing experience with Monzo

It’s been an amazing experience and would recommend Monzo to lord and more people everyday!!! Reviewed on: 25th February 2023

Monzo

Ease of use, I have control of how much I put on it and feel confident about fraud Reviewed on: 25th February 2023

Digital banking that acts as a great tool for handling personal finances.

Helps parenting towards personal financial planning. Reviewed on: 25th February 2023

Excellent system and so easy to use

I use my Monzo account mainly for my holiday spends. I have a current account and savings pot and it's so easy to transfer between the two. Communication is excellent and the app is clear and simple Reviewed on: 25th February 2023

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