Painful
Used it for years and they closed my account without reason. I’ve never received so much as a speeding ticket in my life and they closed my bank without notice or reason. No branches or support - just closed. Waste of time.
Monzo - Mobile Banking
Spend, save, manage your money
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Top 10 Rankings
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Top 30 Rankings
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Top 100 Rankings
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Description
Monzo is the best banking app that helps you save towards your goals, spend confidently, and manage your money—all without any fees.
Open a personal or joint checking account in just a few minutes.
WHY OVER 9 MILLION CUSTOMERS LOVE MONZO
Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of nearly 40,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.*
UNDERSTAND YOUR SPENDING HABITS
Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.
REACH YOUR SAVINGS GOALS
Set aside money for trips, bills, emergency funds, and more in a Savings Pot.
Set a goal on a Pot and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.
SERIOUSLY SECURE
With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.*
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.
____________________________
Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108
The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
*Your funds are held at Sutton Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account benefits from pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply.
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Open a personal or joint checking account in just a few minutes.
WHY OVER 9 MILLION CUSTOMERS LOVE MONZO
Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of nearly 40,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.*
UNDERSTAND YOUR SPENDING HABITS
Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.
REACH YOUR SAVINGS GOALS
Set aside money for trips, bills, emergency funds, and more in a Savings Pot.
Set a goal on a Pot and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.
SERIOUSLY SECURE
With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.*
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.
____________________________
Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108
The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
*Your funds are held at Sutton Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account benefits from pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply.
Screenshots
User Rating
4.8 out of 5
479 ratings in Australia
5 star
446
4 star
10
3 star
3
2 star
1
1 star
19
Ratings History
Reviews
Worst bank in the UK
App bug seems to have resulted in my money being frozen for an indefinite amount of time. Given it’s Monzo they provide zero information, maybe I’ll be locked out of all my money for weeks or months. Disgraceful .
Awful bank, don’t know how it’s highly rated
I’ve had a monzo account before years ago, then it got closed unexpectedly (to which they didn’t explain why). I’ve tried setting a new one up again for using money whilst travelling abroad and I’ve been met with a message after going through the setup process with a screen that read ‘we can’t open an account for you’. I’ve never been a victim of fraud, never been in an overdraft or debt. Quite how they are rated so highly I will never know, and there seem to be a lot of other reviews from other users with similar experiences. Worst banking app going - better use revolut or starling, they work just fine.
Ipad
Ipad app needed
Not sending me an email link
Had my Monzo account since mid 2020. Yesterday, Tuesday 05 Sep 2023, the Monzo app stopped working. Whatever I do, the Monzo app will no longer email me me a magic login link. Deleted and reinstalled Monzo app numerous times. Reset my 2017 iPad, including my network settings. Checked my spam folder. My email account is working fine. As is my iPad. But Monzo is broken. Emailed Monzo help 24 hours ago. No reply. Emailed all my details including photo ID. No response. Not even an automated response. Monzo is broken.
Unable to offer account
Useless to me. I recently attempted to set up an account on arriving in the UK after moving from Australia. At the end of the application I was notified within seconds that Monzo would not be able to offer me an account with no explanation. Frustrating outcome, I don’t know how the reviews are propping up to a good standard.
Doesn’t recognise my address
I couldn’t sign up at all - the app doesn’t have my address on its list of allowed residential addresses. When I emailed support with evidence it’s residential, a week later I got an automated email saying I can’t be offered an account. For a bank whose entire pitch is “Open a full UK bank account from your phone”, failing to handle the simplest complications (like slightly unusual addresses) is dismal.
Refused my account with zero accountability
Absolute joke I have been refused an account with no transparency about why and am a professional adult with savings and a salary. No ability to change or adjust answers where clearly a misread answer has had me become flat out shut down. Rubbish experience be careful with your responses because these amateurs are clueless with how FS and banks actually operate!!
Don’t use Monzo
It’s fine if you have no issues, but if you do they have essentially no support. If you have suspected fraud they’ll fail to act.
Post code not found
As part of the App a person needs to supply your post code. I have supplied my valid legit post code but the App keeps on saying that the post code does not exist and that I need to contact Royal Mail and tell them my post code does not exist. Royal Mail just laughed as they also know that the post code entered is correct. Monzo replied the problem will be fixed within 10 days. Still no luck.
Store Rankings
Ranking History
Category Rankings
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Rank
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Top Free
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3
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Top Free
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22
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Top Free
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31
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Top Free
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75
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Top Free
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96
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Keywords
mobile banking,
nationwide building society,
wise transfer,
transwise,
hsbc china,
nationwide,
monzo bank mobile banking,
monzo bank,
monzo,
starling bank
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App Info
- Category
- Finance
- Publisher
- Monzo Bank Limited
- Languages
- English
- Recent version
- 5.81.0 (2 days ago )
- Released on
- Feb 4, 2016 (8 years ago )
- Also available in
- United Kingdom, United States, India, Ukraine, Nigeria, Australia, Romania, Spain, Italy, Canada, Ireland, South Africa, France, Portugal, Brazil, Germany, Saudi Arabia, China, New Zealand, Sweden, Hong Kong, Poland, Netherlands, Pakistan, South Korea, Turkey, Kuwait, Malaysia, Philippines, United Arab Emirates, Japan, Norway, Russia, Greece, Thailand, Belgium, Hungary, Switzerland, Taiwan, Czechia, Singapore, Egypt, Denmark, Mexico, Indonesia, Colombia, Finland, Austria, Israel, Argentina, Vietnam, Algeria, Dominican Republic, Kazakhstan, Chile, Ecuador, Lebanon, Azerbaijan, Belarus, Peru
- Last updated
- 4 days ago