Monzo Reviews 63,718

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the user-friendly app, highlighting its ease of use for various financial activities, including money transfers and payments. People feel secure using the app due to the implemented security measures. The savings options, such as the pot system and saving schemes, are also well-received, with consumers finding them helpful for budgeting and achieving financial goals. Consumers praise the modern banking service and the helpful tools available. The instant notifications and real-time tracking of spending contribute to a stress-free money management experience. The possibility to divide up bills and categorize expenses is considered very useful. However, opinions on payment and customer service are mixed, with a low consensus among reviewers.

Based on these reviews

Rated 5 out of 5 stars
Invited

I’ve been banking with Monzo for just over a year now, and my experience has been excellent. Everything about the app is simple and user-friendly. I especially love how easy it is to track my spending... See more

Company replied

Rated 5 out of 5 stars
Invited

I would recommend anyone to switch to Monzo Bank, I was turned down at my previous bank a big name to upgrade my account even though I had been with them 13 years and always been employed. Monzo looks... See more

Rated 5 out of 5 stars
Invited

Everything I needed was done when I made contct. The only issue was shipping for new cards bust that comes down to thr useless Royal Mail / post office, aside from that, Im very happy with Monzo and h... See more

Rated 5 out of 5 stars
Invited

I absolutely love Monzo Bank. It’s super fast, very reliable, and extremely easy to use. Everything works smoothly—from instant notifications to quick transfers and a clean, simple app design. Custome... See more

Rated 5 out of 5 stars
Invited

I've been a Monzo user for nearly 4 years now and I'm really impressed. It's incredibly handy for dividing up bills, making instant transfers, and particularly when you're on the go abroad. It's simpl... See more

Rated 5 out of 5 stars
Invited

The app has been splendid in terms of security and transactions duo at the very beginning of using it I use to get bonuses but not any money ,also they hav fascinating and fantastic apps which u can u... See more

Rated 5 out of 5 stars
Invited

Banking without the hoop-jumping! Straightforward UI, sparkling copy, top-notch UX. I'm very happy with Monzo as it gets the job done without the hassle of traditional stiff-collar banks. As a Product... See more

Rated 5 out of 5 stars
Invited

Monzo makes banking accessible and encourages you to engage with your money - I check the app multiple times a day and actually know where my money is going for the first time ever. It helps yo... See more

Rated 4 out of 5 stars
Invited

A solid banking app. I would only ask that you please copy more features like Revolut, because for the last few years there's been no real innovation. I would absolutely love to have pots to pay fro... See more

Rated 5 out of 5 stars
Invited

Has already helped me a lot with my spending and savings allowing me to give myself targets. However one thing i would change is making the savings tab a bit bigger because its a little bit hidden and... See more

Rated 5 out of 5 stars
Invited

Better than any bank I’ve ever had. More facilities than I ever knew were possible Super fast transfer speeds Spending notifications Savings plans Excellent for travel/currency exchange

Rated 5 out of 5 stars
Invited

Since opening an account with Monzo I have been amazed how wonderfully easy it is to operate within their app.They offer savings pots,various schemes for saving.They also offer a credit card which gi... See more

Rated 5 out of 5 stars
Invited

I've found banking with Monzo not only straightforward but the extras like the pot system are great. It makes budgeting so much easier. The instant assess savings pot is also amazing a good interest... See more

Rated 5 out of 5 stars

I would like to show my gratitude and my appreciation to the financial and the specialist team at Monzo. This is the first bank I had been with to which I had many where they care. My mother had a... See more

Rated 5 out of 5 stars
Invited

All good .App very easy to use for adding and transferring money as well as making payments. Security measures taken makes me feel safe using the app. Interest rates good for accounts inc Savings,Per... See more

Rated 5 out of 5 stars
Invited

No issues since using monzo, easy to transfer funds from other bank accounts. Most importantly their LinkedIn content is funny, best when Greg was running the account.

Rated 5 out of 5 stars
Invited

Monzo provides a much more holistic support network than I've experienced with other banks. Perhaps because it is primarily an online banking system, the protections seem more robust and alerts are se... See more

Rated 4 out of 5 stars
Invited

Easy to use with very good security and useful features. Not once had an issue. Savings rates are competitive but slightly lower that Revolut which is the only thing stopping a full five stars.

Rated 5 out of 5 stars
Invited

Lovely. I really recommend! I have this account from 7 years , never had any problem with the payment. More than that they can help you borrow money which is helpful. I really recommend with all my... See more

Company replied

Rated 5 out of 5 stars
Invited

Hands down the easiest banking experience. I’ve been a Monzo customer for several years now and it’s the easiest banking experience to deal with. It has a great app where we have personal, joint... See more

Rated 5 out of 5 stars

I’ve been using Monzo for several years and have only just got around to leaving a review. It’s not perfect, but overall the functionality is excellent. Being able to see exactly what you’ve sp... See more

Rated 5 out of 5 stars
Invited

Easy to use, friendly staff, quick transactions and quirky features including undoing a transaction and access to savings pots. I find banking with Monzo pleasant and easy, sometimes with other compan... See more

Rated 5 out of 5 stars
Invited

I love Monzo. It's so easy to manage your money on Monzo and you can create different pots to help with saving up or so you can split your pay check up to manage it better and so you know exactly wher... See more

Rated 5 out of 5 stars
Invited

Monzo was very easy to join no complicated questions or paperwork. Very competitive prices on accounts alot cheaper than your standard bank (just hoping it's not a gimmick just to get you on board) Mo... See more

Rated 5 out of 5 stars
Invited

I get paid sporadically so Monzo having the early payday feature is a bonus, especially when it lands before a night out. Also only costing £3 a month to get access to credit scores is very handy!

Rated 5 out of 5 stars
Invited

Initially applied for the Monzo cards for a European trip, however the card and the app is so easy to use I have now adopted Monzo for my day to day banking and savings etc. highly recommended.

Company replied

Rated 5 out of 5 stars
Invited

Monzo is great I use it when I travel abroad, I also use it on a daily basis, I transfer money from my other account so I'm not over spending, the app is great you can go in see what you have been ch... See more

Rated 5 out of 5 stars
Invited

I have found monzo souch easier to bank with, offers are good and communication seems responsive. Security factors seem very active when attempted hacks or fraudsters try to hit, sadly becoming more... See more

Company replied

Rated 4 out of 5 stars
Invited

2nd January my card was blocked. 3 cards lateri I got what I needed they give a date of a window right to the last day card doesn’t arrive from the 2nd of jan till the 17th to get it there card syste... See more

Rated 5 out of 5 stars
Invited

It’s the simplicity of the entire process. From setting up an account, which takes minutes through to how the app works. The entire process is seamless.

Rated 5 out of 5 stars
Invited

I use the free version & I love the saving options you can choose and tailor it to your budget. I entered the 1p saving challenge and it goes up by 1p everyday day 1 = 1p, day 2 = 2p. Saving a total o... See more

Rated 5 out of 5 stars
Invited

Convenience & speed. I pressed cancel penny challenge by mistake thought I saw challenges running at same time, can I join back? I think it’s genius 👍👊🏾 Thank you

Rated 5 out of 5 stars
Invited

Products are simple to understand and work well. I like seeing the interest on my savings accrued daily as well as the impact of roundups from spending.

Rated 5 out of 5 stars
Invited

Been using Monzo a few weeks now and love the app, only thing I don’t like is they paying in limit, and they charge £1 to pay in other than that Monzo is now my main account

Rated 5 out of 5 stars
Invited

Monzo seems to be a very open banking system with tools available to grow your cash without thinking about saving.

Company replied

Rated 5 out of 5 stars
Invited

As a new customer to monzo . So far it's easy to use . Convenient to use and there is lots of additional stuff you can do . Saving. Investing Etc etc Thumbs 👍 from me.

Rated 5 out of 5 stars
Invited

Ive been monzo user for 2 years now and monzo flex user for an year now and i must say monzo’s credit card is think the best all because of its application and UI and the options it gives to its custo... See more

Company replied

Rated 5 out of 5 stars
Invited

Easy to use, very fast transfers and love the pots system have recommended this to everyone I know been using monzo for 3 months with no trouble

Company replied

Rated 5 out of 5 stars
Invited

Great banking account, I travel many countries, and use my monzo account. Not being charged is brilliant for the exchange rate

Rated 5 out of 5 stars
Invited

Very helpful and quick to resolve queries. Never had any issues with the app or bank themselves. Have and will recommend.

Rated 5 out of 5 stars
Invited

I find Monzo easy & intuitive to use. It is good value including for international transfers. Meets all my needs.

Rated 4 out of 5 stars
Invited

Sofa so good but yet I haven't had a full experience but we'll get there I hope until then that's it for now.

Company replied

Rated 5 out of 5 stars
Invited

Amazing App and Easy handling. Banking is made easy. Split payment is awesome. I used other Bank Apps and it took me 1 time of use on this App and i just left the other banks behind.

Rated 5 out of 5 stars
Invited

Great banking - easy to use app - saving incentives - help with investment and pensions, what’s not to love!

Rated 5 out of 5 stars
Invited

Great Bank, loads of helpful tools and keeps you up to date instantly with it's and outgoings. Highly recommend 👌

Company replied

Rated 5 out of 5 stars
Invited

They are always transparent about the charges and changes. The ability to create virtual cards is a bonus over conventional banks.

Company replied

Rated 5 out of 5 stars
Invited

Really good and modern banking service with lots of features to help us in this modern world.

Rated 5 out of 5 stars

I was recommended ages ago to use monzo, was sceptical at first but wow haven't had a problem with them yet. Anything I pay for if I need to ever file a dispute monzo sorts it out quickly. Customer... See more

Rated 5 out of 5 stars
Invited

Only been with this Bank a short while when I ordered some goods from Hong Kong the goods didn't arrive so I contacted the bank and explained everything in detail the young lady done a few checks on t... See more

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Company details

  1. Bank

About Monzo

Written by the company

We're building the bank of the future - complete with instant notifications, built-in budgeting tools, free payments abroad, 24/7 customer service and much more! Monzo is a bank for everyone, built together with our community. We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo and we think the best way to do that is by being as open as possible. Join the revolution today.

Contact info

  • 38 Finsbury Square, EC2A 1PX, London, United Kingdom

  • www.monzo.com

4.6

Excellent

TrustScore 4.5 out of 5

64K reviews

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Replied to 62% of negative reviews

Typically replies within 48 hours


Rated 5 out of 5 stars
Invited

So far so good

So far so good!
I’m really enjoying most of the features etc and I’m looking forward to using all of the features available.

1 January 2026
Rated 5 out of 5 stars
Invited

I would recommend it to everybody as 10 out of 10

It’s the best bank I’ve ever done any business with. You know exactly what’s in your bank at all times you have access to your savings within the app you can organise or you’re outgoings in pots. You you can keep a track on how much you pay a single person or organisation. I can’t praise it enough. It’s changed my life.

20 January 2026
Rated 5 out of 5 stars
Invited

Never had an issue with Monzo

Never had an issue with Monzo! You get your bank payments a day earlier than usual, they have so many savings options and pots to separate your money out for bills. Wouldn’t use another bank tbh!

20 January 2026

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