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Review of the Monzo, Current account:
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Monzo Transformed My Finances

5
Monzo has genuinely transformed the way I manage my money. The range of features goes far beyond what you’d expect from a traditional bank — from intuitive spending insights and budgeting tools to flexible savings pots and easy access to investing. Since opening my account, I’ve saved more consistently than ever before, felt completely in control of my spending, and even gained the confidence to explore new products like investing. The app makes everything clear, simple and empowering. In addition to the budgeting tools, the Perks make a real difference. Weekly treats like Greggs and cinema tickets, discounted rail travel, and benefits like fee-free withdrawals and cash deposits make everyday spending feel more rewarding. Features like Advanced Roundups have helped me build savings effortlessly, while earning competitive interest on my Instant Access Savings has made my money work harder. The ability to create virtual cards adds extra security and control, and credit insights help me stay informed and proactive about my financial health. Even small details, like custom categories and automatic transaction tracking into spreadsheets, make managing money feel simple and organised. It’s rare to find a bank that feels this modern, supportive and easy to use. I’ve recommended Monzo to family members because it’s made such a positive difference to my finances — and I wouldn’t hesitate to do so again. Reviewed on: 16th February 2026

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