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Monzo reviews

Monzo Logo
Rated Excellent • 4.94/5

Monzo reviews

Verified business Last reviewed within 7 days British bank awards winner
See more on their website 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 26,599 product reviews

Average score of 4.94/5
5 star
96%
4 star
3%
3 star
0%
2 star
0%
1 star
1%
Reviews for Monzo have trended negatively over the past 90 days

Monzo’s app and features make banking simple and even fun, with handy tools like savings pots, budgeting, and flexible payments. Many find the Flex Purchase credit card a lifesaver for spreading costs without stress. However, customer service often frustrates, especially when accounts are frozen or issues arise, leaving some feeling stranded and unsupported.

Positive themes

  • Monzo’s app is super easy to use and makes managing money a breeze.
  • Monzo Flex credit card is brilliant for flexible payments and budgeting.
  • Monzo’s savings pots and challenges really help with saving money.

Negative themes

  • Customer service is often slow or unhelpful when problems arise.
  • Accounts get frozen or blocked without clear reasons causing stress.
  • Monzo Flex card sometimes has confusing features and limited credit card functions.
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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

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Reviews for Monzo

Showing 11 of 26599 company reviews • Last reviewed within 7 days

I have had the best banking experience with Monzo ,...

Current account • 30th March 2026

I have had the best banking experience with Monzo , so excited to see what the future holds for us .

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

Monzo’s features and the app are far better than any...

Current account • 30th March 2026

Monzo’s features and the app are far better than anything else and they have good customer service

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

    New start up.

    New start up. Need a bank quickly. So happy I found Monzo. Super helpful and responsive

    {"display":"Graham M","full_name":"Graham M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    Do NOT USE monzo do not keep your money safe

    You do not keep money safe! Had fraudulent activity for the 2nd time this time amounting to a couple of hundred and Monzo decided to... You do not keep money safe! Had fraudulent activity for the 2nd time this time amounting to a couple of hundred and Monzo decided to not give my money back telling me that is was me who made the transaction where they were done 4 hours away from where I live and online after i told them my card was lost/stolen,they did nothing sent me the same scripted lines and then because i complained and went to my local station (who are actually taking the fraud seriously) they decided to close close my account. Theu froze my card telling me my DD would still come out... they didn't and I occurred charges again same scripted message that was said when I tried to contact them.They do not care about the customers as long as they are making money..... STAY CLEAR Read more Read less

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

    An easier life with Monzo

    since joining Monzo it has made it so much easier to keep on top of my finances, i have also opened joint accounts and split... since joining Monzo it has made it so much easier to keep on top of my finances, i have also opened joint accounts and split bills. i cannot fault the app either, so easy to use and friendly layout. Read more Read less

    {"display":"Chris M","full_name":"Chris M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Chris M 30th March 2026
  • 5/5

    Love Monzo

    Love Monzo , help result available avs alerts helpful

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

    Excellent customer service whenever I have a problem...

    Excellent customer service whenever I have a problem - things are solved quickly

    {"display":"Phi","full_name":"Phi","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Account
    Phi 30th March 2026
  • 5/5

    Initially got Monzo for fee free transactions in Vie...

    Initially got Monzo for fee free transactions in Vietnam. Its now my go to.

    {"display":"Kay L","full_name":"Kay L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Kay L 30th March 2026
  • 5/5

    Amazing service and have never had a problem

    Amazing service and have never had a problem

    {"display":"Sadie Doughty","full_name":"Sadie Doughty","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1419112.png"}}'s avatar
  • 4/5

    quick and easy access with a reasonable interest rate

    Having Monzo has helped me manage my money better by providing quick and easy access to a current and saving account with a reasonable interest rate.

    {"display":"Grant G","full_name":"Grant G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Grant G 29th March 2026
  • 5/5

    Really easy to set up the account.

    Really easy to set up the account. It all works through their app so quite convenient. They communicate with me if there's any changes to... Really easy to set up the account. It all works through their app so quite convenient. They communicate with me if there's any changes to terms and conditions. Didn't need a lot of money to open the account. Read more Read less

    {"display":"Sally J","full_name":"Sally J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current account
    Sally J 29th March 2026

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