Monzo Reviews 68,660

TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Looking at 18,080 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the app for its ease of use, modern design, and informative features, making banking straightforward and enjoyable. Many appreciate the ability to manage finances effectively through features like saving pots and early salary access, which helps with budgeting and bill payments. The service is often described as excellent, with people highlighting the quick setup process, secure transfers, and the convenience of using the card both domestically and abroad without issues. However, some customers also noted issues with payment processing, particularly concerning withdrawals of larger sums and account freezes, which caused significant inconvenience and frustration. A few other people also felt that customer service was unhelpful in resolving these payment-related problems, leading to a lack of confidence in the service for critical transactions.

What people talk about most

User experience

Clients share positive opinions on user experience, frequently describing it as quick, easy, and... See more

Application

Customers report a highly positive experience with the app, praising its ease of use and understanding, with... See more

Service

People report positive experiences with service, often highlighting its excellence, reliability, and quality,... See more

Payment

Consumers find payment to be ambiguous, with many praising the ease of adding and withdrawing funds, making... See more

Value for money

Reviewers highlight positive aspects of value for money, praising the ease of finding and accessing... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Monzo is a very well established banking company that has a very easy, but very secure set up and you can easily transfer and receive money without any problems. You are posted your card very quickly... See more

Rated 5 out of 5 stars

I absolutely love my Monzo account, which my son recommended to me… albeit it too late to get his fee for that! It’s a bank account which monitors exactly how you spend, gives features to help with th... See more

Rated 5 out of 5 stars

The app is very easy to use, been using it since 2021, and I like the double pay feature for 10 users, makes you feel like there's something to use the app for. The design of the app is also really go... See more

Rated 5 out of 5 stars

New to Monzo through friends recommendation and having fraud commited on previous bank account. From the start it has been a quick and easy process, very user friendly & a little bonus for using frien... See more


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

69K reviews

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Rated 5 out of 5 stars

Their anti-fraud software is great.

Their anti-fraud software is great.
I opened a Monzo bank in 2023, used it for cash in ATMs abroad, no problems.
In the UK this March/April (2026), didn't bother with WiFi, just used free WiFi in pubs, cafes, etc. I'm on the Northern Rail train using it, and my phone beeps. Look at the message from Monzo saying (paraphrasing here): "We've just stopped a fraudulent purchase on your card, we've cancelled this card, a new one is being generated for you, you can still use the Monzo app for cardless purchases. Please go to the app now and follow the instructions. Thanks for using Monzo."
I was pleasantly gobbsmacked. I've never had a bank proactively protect me from fraud; they always wait until you notice it, ask for a refund, then start to act.
This was awesome. I went to the app, told them where to send my new card, carried on with my holiday.
I tell everyone who asks about banking about this. Can't recommend Monzo highly enough.

4 April 2026
Unprompted review
Rated 5 out of 5 stars

I got a Monzo card to use abroad

I got a Monzo card to use abroad and definitely recommend taking one out. Your account is easy to set up, received my card within 2 working days and can transfer money onto the card straight away and top ups easy to do as well. No fees are applied when using your card abroad, check your transactions on line.

29 May 2026

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