Monzo - Mobile Banking

from United Kingdom of Great Britain and Northern Ireland (the) 

Neobanque

Classement de l'App Store : 4.7

Founded in 2015

Private |

Organise, save & invest with a free UK current account, joint account or business account. Make your money more Monzo.

Monzo app screenshoot 2
Cadre de l'appareil
Monzo app screenshoot 1
Cadre de l'appareil

Note: This review below has been generated using AI (12/04/2025 12:37:44), based on the analysis of App Store reviews from the last 90 days. The insights provided are derived from aggregated user feedback and aim to give you an overview of the app's current performance and user sentiment. More info here 

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Summary

Recent reviews from the last 90 days: Many users praise Monzo's convenient features, especially early payments and international transactions. However, a significant number of recent reviews highlight serious issues with account freezes, poor customer service responsiveness, and unexplained account closures. Technical problems with the app, including crashes and payment failures, are also frequently reported.

Pros:

  • - User-friendly interface and easy to use app.
  • - Convenient features like budgeting tools, savings pots, bill splitting, and spending targets.
  • - Fee-free international transactions and favorable exchange rates.
  • - Early payment feature.
  • - Integration with other financial services (credit scores, mortgages).

Cons:

  • - Account freezes and closures without explanation or warning.
  • - Extremely poor customer service, with slow response times, unhelpful agents, and reliance on automated replies.
  • - Technical issues with the app, including crashes, payment failures, and difficulty accessing support.
  • - Problems with adding cards to Apple Wallet and activating cards.
  • - Lack of transparency and communication regarding account issues.
  • - Difficulty contacting human support.
  • - Overdraft charges applied even when funds are available in pots.
  • - Security concerns regarding unauthorized transactions and difficulty cancelling lost cards.
  • - Inconsistent user experience with cluttered menus and difficulty finding certain features.
  • - Problems with adding new team members to business accounts.
  • - Limited cash deposit options.
  • - Unclear account application rejection reasons.
  • - Inconsistent payment processing, with transactions sometimes taking up to 3 days to show.

Monzo - Mobile Banking

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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Divulgation des affiliations Au lieu de bannières publicitaires et de murs payants, Neobanque gagne de l'argent grâce à des liens d'affiliation vers les différents fournisseurs de services de paiement présentés sur notre site Web. Bien que nous nous efforcions de rechercher les meilleures offres sur le marché, nous ne sommes pas en mesure de prendre en compte tous les produits disponibles. Notre large éventail de partenaires affiliés de confiance nous permet de formuler des recommandations détaillées, impartiales et axées sur les solutions pour tous les types de questions et de problèmes des consommateurs. Cela nous permet de mettre en relation nos utilisateurs avec les fournisseurs qui répondent à leurs besoins et, ce faisant, de mettre en relation nos fournisseurs avec de nouveaux clients, créant ainsi une situation gagnant-gagnant pour toutes les parties impliquées. Cependant, si certains liens sur Monito peuvent effectivement nous rapporter une commission, ce fait n'a jamais d'incidence sur l'indépendance et l'intégrité de nos opinions, recommandations et évaluations.