Checked reviews

What people wrote after using the app.

• Ellie Brooks

  3 March 2026 · London

  ★★★★★

  Moved my salary across from Barclays in February. It landed on the morning it was due, and the bills pot took the rent out before I could spend it. The app froze once on the tube. It was back by the time I got above ground.

  LinkedInVerified with KYC

• James Okonkwo

  18 January 2026 · Manchester

  ★★★★★

  Opened a joint account with my partner on a Sunday night. The card was in the letterbox on Tuesday. In-app chat took about twenty minutes, which is slow when you are standing in a shop, but the person actually read what I had typed.

  Facebook

• Ruth Gallagher

  9 December 2025 · Edinburgh

  ★★★★★

  Came back from a week in Spain and the app wanted a new selfie, then another one, then a wait. I could see the balance and could not move a penny for three days. Rent was due.

  Unprompted

  Monzo replied

  Ruth, being locked out after a trip is a rotten welcome home. The second selfie was our fraud check being too strict. The account is cleared, and if it happens again a person from support will stay on the chat until you are back in.

• Samir Patel

  2 November 2025 · Leicester

  ★★★★★

  The overdraft warning is the first bank screen I have trusted. It told me I would go over on Thursday, I moved £40, and there was no fee. That is the whole review.

  GoogleVerified with KYC

• Nina Fraser

  21 September 2025 · Bristol

  ★★★★★

  The pots are genuinely useful. The savings rate dropped and the email about it was easy to miss, sitting under a message about a new card colour. I would rather have seen it in the app home.

  Instagram

• Callum Wright

  14 August 2025 · Leeds

  ★★★★★

  Card declined at a petrol station with £30 sitting in the account. The app said nothing. I paid on another card and felt like an idiot at the till.

  Unprompted

  Monzo replied

  Callum, a decline with money in the account and no message in the app is on us. We have credited £10 for the hassle and flagged that petrol-station terminal.

• Leila Hassan

  6 July 2025 · Birmingham

  ★★★★★

  The business account took longer to open than the advert suggested. Once it was live, the export into my spreadsheet saved me a Sunday. I still want a proper receipt inbox.

  LinkedIn FacebookVerified with KYC

• Greg Moore

  19 May 2025 · Cardiff

  ★★★★★

  Lost the coral card in Lisbon on the second evening. Froze it in the app before I had even left the restaurant. The replacement was at my flat when I got home. That is the feature I tell people about.

  GoogleUnprompted