Monzo Reviews 67,780

Was very helpful and understanding polite and caring

Easy to log in and transfer money

Today I will write a bad review for Monzo Bank which took the liberty to block the transfer between me and my wife account .
They placed the transfer into the fraud departament and they asked about another transfer from TSB account , which is not related with the Monzo bank .

Regarding their procedure , which will afect the credit score we will write a formal complain to FCA and as well Ombudsman .

No bank have the power to ask any questions about other bank transfers , and as well they don't have the power , because their incompetent staff , to harm your credit score .

They have to be happy because , we , clients , we DELEGATE them to safeguard our money .

I am proud of you Monzo, you did well to decline some unwanted charges and asked me if I recognise them. Just wanted to le you know, you made my day better

Easy to setup and easy to use.

Very easy to manage, lots of helpful reminders and settings for accounts. Very user friendly UI.

I’ve used Monzo for years, for savings (love the challenge), for travel, for splitting nights out. I’ve never had any issues. Can’t recommend enough.

Dealing with these imbeciles has been a nightmare. Some scammer using our address to have bank cards sent and whenever I report it their operator assures me the cards have been cancelled and reported as fraudulent a few days later I yet again receive new ones in the post with the scammer actually showing up to our door demanding the card.
Police have now been informed. Sure as hell won’t be using them for my own banking that’s for sure. Unprofessional beyond belief.

Been a user of Monzo for years. Customer service is always spot on when issues arise, and never had a problem accessing my money or transferring. Use it abroad at local rates and love how easy it is.

There are many banking features.
Straight forward answer when applying.
Useful when using card abroad.
Contain many options in terms of managing money.

Tried to accept a business banking invite. The app launches straight into a 'set up a new personal account' flow with no way to bypass it and no path to the existing-account login. Sent a screenshot. Asked clearly how to get past it.

The first agent quoted the 'one email, one phone number' policy. Twice. Without ever addressing the screen blocking me. Pointing at a destination is not the same as describing a route.

When I got frustrated, a second agent stepped in to issue a formal warning about my professionalism before doing anything else. No diagnosis. No troubleshooting. No instructions. Just a copy-paste reminder that bad language makes things harder for them.

The most substantive response in the entire thread has been the one about my vocabulary. Nobody has actually engaged with the issue. Several replies in, I still have no steps for getting into the app, only a list of rules I would happily comply with if I could load past the first screen.

For a bank that markets itself on UX and customer experience, this is impressively bad. The tone-policing reflex in particular is something I'd expect from a budget airline complaints desk, not a challenger bank trading on being better than the incumbents.

If this isn't resolved promptly, FOS.

I am really enjoying been with monzo, it is so easy to work with, especially the online app. Everything is so easy to set up, i got my card in a few days, ive had no problems with anything so far

Amazing best bank

Such a convenient way to bank! Easy to pay friends and a great way of saving daily

Excellent and easy to use , with many top features

Great service would absolutely recommend.

What a change to banking

Using in addition to my regular bank. Has been great for managing money and adding extra security.

A lot more than a basic bank account offers

I had a Monzo account for years, but only started properly using it over the last year and a half. I upgraded to Monzo Max because I wanted the convenience of having my travel insurance, mobile phone insurance, and breakdown cover all in one place. I previously had these benefits through my high street bank, but Monzo Max was a couple of pounds cheaper each month, so I decided to switch.

What I’ve learnt from this experience is that cheaper does not always mean better.

The breakdown cover included with Monzo Max is provided through RAC, and when I genuinely needed help, the service was appalling. I was left stranded in a van for around 16 hours waiting for assistance. Communication was inconsistent, updates were unclear, and there seemed to be very little urgency despite the situation. In the end, the only reason the matter was resolved was because I personally managed to contact a recovery company myself and effectively force RAC into recovering the vehicle safely.

I never experienced anything like this with the breakdown cover provided through my previous high street bank, which is why I have now moved back to them.

What made the experience even worse was Monzo’s response afterwards. One of the main reasons I paid for Monzo Max was for the breakdown cover, yet when things went badly wrong, I felt unsupported, dismissed, and passed around during the complaints process.

After this experience, I decided to move back to my previous bank and cancel Monzo Max entirely. That then became another stressful process. For over five weeks, Monzo refused to close the account because of a discounted railcard attached to the membership - despite me repeatedly explaining that I had never used the railcard, had no intention of using it, and should not be forced to continue paying for a benefit I neither wanted nor activated.

Because the closure process dragged on for so long, the account remained open and eventually went into an unarranged overdraft of nearly £20 due to ongoing charges. Situations like that can potentially affect someone’s credit profile and lead to further fees, all over a service I was actively trying to leave.

In the end, I lost money on benefits I never used, experienced extremely poor customer service during a genuine emergency, and completely lost trust in the organisation.

I have now closed the account and will never use Monzo again.