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Monzo reviews

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Rated Excellent • 4.93/5

Monzo reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business Last reviewed within 7 days

What is this award?

The British bank awards recognise outstanding UK financial services providers based entirely on customer feedback.  Winners are determined through verified customer reviews and must meet minimum participation thresholds, ensuring recognition reflects genuine customer experiences.

This company has won:

  • Best British bank 2025
  • Best banking app 2025
  • Best children's financial provider 2025
See all awards Monzo have won
British bank awards winner
Write a review
  • 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 24,345 product reviews

Average score of 4.93/5
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.
Summarised by AI
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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

Social media

Reviews for Monzo

Showing 11 of 24345 company reviews • Last reviewed within 7 days

Super helpful, polite and responsive

Under 16s account • 19th February 2026

Super helpful, polite and responsive

{"display":"Olivia T","full_name":"Olivia T","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Excellent

Flex Purchase credit card • 19th February 2026

Excellent experience and Good customer service

{"display":"WannaBeParamedic","full_name":"WannaBeParamedic","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1364091.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    Fast, Reliable, and Good Perks

    I especially like the features of having mulitple virtual cards. Gives me an extremely easy way to segment the way I am spending my money,... I especially like the features of having mulitple virtual cards. Gives me an extremely easy way to segment the way I am spending my money, and tracking what payments are going out to who, when, and why. Read more Read less

    {"display":"Joe J","full_name":"Joe J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Joe J 19th February 2026
  • 5/5

    Monzo Bank is great.

    Monzo bank is definitely worth considering for your banking needs: 1. The pot system is great live that you can assign bills to be paid... Monzo bank is definitely worth considering for your banking needs: 1. The pot system is great live that you can assign bills to be paid from them and give them a virtual card 2. The paid features are worth considering as the insurances provided by the top tier is great and a free greggs treat weekly is definitely worth it 3. Monzo's other offerings like there investment pot is easy to use and they explain it so well there Monzo Flex card is amazing and I wish that style of card is more wide spread Read more Read less

    {"display":"Oliver B","full_name":"Oliver B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Oliver B 18th February 2026
  • 5/5

    Multi faceted account with myriad options and combin...

    Multi faceted account with myriad options and combinations of ways to manage and bespoke it.

    {"display":"Craig Adams","full_name":"Craig Adams","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Excellent product and service and a bank that actual...

    Excellent product and service and a bank that actually benefit customers around savings , investments, perks , pensions and the 1-4p challenge that works for us in gaining not losing

    {"display":"Sandra ","full_name":"Sandra ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Sandra 18th February 2026
  • 5/5

    So helpful great start for the new business account

    So helpful great start for the new business account

    {"display":"Arlen Christie ","full_name":"Arlen Christie ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Been banking with monzo for over a year and I'm find...

    Been banking with monzo for over a year and I'm finding the experience great.

    {"display":"Del","full_name":"Del","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Del 18th February 2026
  • 5/5

    Very nice card easy to use and to pay back...

    Very nice card easy to use and to pay back

    {"display":"Khakim K","full_name":"Khakim K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Really smooth

    Really smooth online banking experience

    {"display":"David H","full_name":"David H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    David H 18th February 2026
  • 5/5

    Such a slick and futureproofed offering!

    Such a slick and futureptoofed offering!

    {"display":"Mark B","full_name":"Mark B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Under 16s account
    Mark B 18th February 2026

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