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Monzo reviews

Monzo Logo
Rated Excellent • 4.92/5

Monzo reviews

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Verified business Last reviewed within 7 days
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  • Offers exclusive rewards and discounts to customers
    Offers exclusive rewards and discounts to customers
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • FCA approved and regulated
    FCA approved and regulated
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website

Review summary

People rate this company as Excellent based on 22,670 product reviews

Average score of 4.92/5
5 star
96%
4 star
3%
3 star
0%
2 star
0%
1 star
1%
Reviews for Monzo have trended positively over the past 90 days

Monzo’s app is a joy to use, making budgeting, saving with pots, and managing money straightforward and even fun. The Flex credit card is a standout, offering flexible, interest-free repayments that many find a lifesaver. However, customer service often frustrates users, especially when dealing with account freezes, fraud, or urgent issues, leaving some feeling stranded and unsupported.

Positive themes

  • Monzo’s app makes saving and budgeting easy with handy pots and clear money tracking.
  • The Monzo Flex card is brilliant for spreading payments interest-free and managing credit.
  • Monzo’s app is user-friendly and packed with features that make everyday banking simple.

Negative themes

  • Customer service often fails when urgent help is needed; slow or no response frustrates users.
  • Accounts get frozen or locked without clear explanation causing serious access issues.
  • Fraud handling is poor; many report slow or no refunds and unhelpful support.
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About Monzo

Monzo is a digital bank that offers a mobile app for managing money, budgeting and saving.

Monzo was founded in early 2015 with the mission to build the best bank in the world, challenging long-standing traditional banking formats. Now more than 10 million people manage their money and spend around the world through Monzo.

Monzo provide personal current accounts, savings, investments, pensions, credit cards, loans and business banking.

Monzo at a glance

Contact details

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Reviews for Monzo

Showing 11 of 22670 company reviews • Last reviewed within 7 days

Horrible experience

Business Account • 1st January 2026

I regret opening an account with Monzo. They are unprofessional and don’t know what they are about. Frozen my account without giving any tangible response.... I regret opening an account with Monzo. They are unprofessional and don’t know what they are about. Frozen my account without giving any tangible response. Not a good back to work with Read more Read less

{"display":"Anita Ntiamoah","full_name":"Anita Ntiamoah","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1317048.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews

100% perfect and correct in everyway

Investments • 30th December 2025

100% perfect and correct in everyway

{"display":"Ceri c","full_name":"Ceri c","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    Monzo is very fantastic with the variety of opportun...

    Monzo is very fantastic with the variety of opportunities made available.

    {"display":"Adeyanju C","full_name":"Adeyanju C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Adeyanju C 26th December 2025
  • 5/5

    I feel very good and comfortable in monzo.

    I feel very good and comfortable in monzo.

    {"display":"Silverio F","full_name":"Silverio F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Silverio F 18th December 2025
  • 5/5

    All made nice and easy after banking with Monzo...

    All made nice and easy and after banking with Monzo for a few years now felt the trust .

    {"display":"DeanLawton","full_name":"DeanLawton","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    DeanLawton 17th December 2025
  • 5/5

    The investment was easy to set up

    The investment was easy to set up

    {"display":"Paul","full_name":"Paul","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Paul 14th December 2025
  • 5/5

    Easy to understand

    Good clear overview of the investment process

    {"display":"Dennis H","full_name":"Dennis H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Dennis H 11th December 2025
  • 5/5

    Good bank in mobile application.

    Very good start ,good bank, good application in mobile.

    {"display":"Anonymous","full_name":"Anonymous","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1316262.png"}}'s avatar
    Current Account
    Anonymous 6th December 2025
  • 5/5

    Straightforward

    Simple and very straightforward process of opening the account. The user interface is simple and very informative, with easy navigation. Honestly, id never really invested... Simple and very straightforward process of opening the account. The user interface is simple and very informative, with easy navigation. Honestly, id never really invested before but I cant lie, its been great Read more Read less

    {"display":"Mnkmzhk","full_name":"Mnkmzhk","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1144672.png"}}'s avatar
    Investments
    Mnkmzhk 24th November 2025
  • 5/5

    Efficient way to spend abroad.

    Efficient way to spend abroad. Excellent ways to save and or invest.

    {"display":"Mark R","full_name":"Mark R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Mark R 12th November 2025
  • 5/5

    Invest small amounts and watch it grow!

    I’ve only been able to invest small amounts but have had amazing returns from an adventurous level. Being unable to pull the money out immediately... I’ve only been able to invest small amounts but have had amazing returns from an adventurous level. Being unable to pull the money out immediately helps you leave it, and watching the investment in the Monzo app is exciting! Read more Read less

    {"display":"Sarah ","full_name":"Sarah ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Investments
    Sarah 8th November 2025

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