# Monument Bank — user reviews > 164 indexed App Store user reviews of Monument Bank by Monument Bank Limited, rated 4.90/5 from 28 ratings. - Source: https://appshunter.io/ios/app/monument-bank/id1556211953/reviews - App overview in markdown: https://appshunter.io/ios/app/monument-bank/id1556211953.md - Rating breakdown: 5★ 26 · 4★ 1 · 3★ 0 · 2★ 1 · 1★ 0 ## What do users think of Monument Bank? Overall sentiment: positive **Pros** - 👍 Easy to use app - 🚀 Instant transactions - 💰 Competitive interest rates - 🔒 Secure banking - 📈 Clear account information - 🤝 Helpful customer service **Cons** - 🐛 App crashes and bugs - 🔒 Limited device access - 🔍 Lack of dark mode - 🤔 Unfair treatment of loyal customers **Commonly reported bugs** - iPad app not working - Login issues and app freezes - Account opening process getting stuck **Most requested features** - Ability to access account on multiple devices - Dark mode option - Alerts for limited access account withdrawals ## Newest reviews (16 of 164) ### 4/5 — Savings *2026-05-01, version 1.37.0* I like the Banking App, the only negative being its very hard to work out when you can withdraw any funds outside the penalty period? ### 5/5 — Very quick *2026-05-01, version 1.37.0* Very quick and easy to use app. Good interest rates and money transferred within seconds. I recommend ### 5/5 — Very easy to use *2026-04-24, version 1.37.0* I have found setting up Monument to be very easy and then using my limited access account has also been very easy. ### 5/5 — Great bank *2026-04-20, version 1.37.0* Easy to navigate app. Great service and good interest rates. ### 5/5 — I love the UX! *2026-04-19, version 1.36.0* Honestly, I wish all baking apps could be this nice to use. So positive, so clear and feels elevated. I wish the interest rates were higher and I had more money but as far as the app goes, bravo! ### 5/5 — Fantastic *2026-04-09, version 1.36.0* Moved over from Chase and wish I had done it earlier , ### 5/5 — Fantastic app *2026-04-08, version 1.36.0* This is excellent Bank and such an easy app to use thank you very much and keep up the hard work ### 5/5 — Ease of use *2026-04-08, version 1.36.0* No problems to add money and no problems to take it out it’s just a click away ### 5/5 — Works well. Easy to use. *2026-04-06, version 1.36.0* Works well. Easy to use. ### 5/5 — Sooo easy *2026-03-24, version 1.35.0* This is the easiest straightforward account to use.. great interest rate.. ### 3/5 — APR rate *2026-03-20, version 1.35.0* The app is very easy to use however I think the rates are a bit low compared to other online banks ### 5/5 — Great App *2026-03-07, version 1.35.0* Works well just need higher interest! ### 5/5 — Great service *2026-02-24, version 1.35.0* Just a well executed straightforward service backed by friendly helpful people! ### 5/5 — Great Service! *2026-02-24, version 1.35.0* I have recently opened the account with Monument, and have been entirely satisfied with the service and great interest rates. I can certainly recommend this Bank. ### 5/5 — So simple and quick *2026-02-07, version 1.34.0* The other ISA that I have requires me to do a little dance around the living room and post a video of it before I can get online to do anything. I just made my first withdrawal from Monument, and the whole thing must’ve taken about 10 seconds. The money was in my account immediately. Excellent! I may well take funds out of the other ISA and put them with Monument on the basis of this experience. ### 5/5 — Excellent online banking *2026-01-29, version 1.34.0* Being an “oldie” I found both opening and managing my accounts extremely easy . There has not been one occasion of confusion or irritation in the IT or processes. Offered good rates I most certainly can recommend . ## Most critical reviews (10 lowest-rated) ### 1/5 — Poor value for loyal customers *2026-05-05, version 1.37.0* The app is easy to use, but existing customers are given much lower interest rates than new customers on similar accounts. This creates a real financial loss over time. When I raised this, the response was generic and did not explain why loyal customers are left behind. A savings app should reward customers, not penalise them for staying. ### 1/5 — Can’t set up app *2026-04-13, version 1.36.0* Similar to what another person has described – I already had the app working on my iPhone and previously alongside my older iPad a 2021 model. On setting up my new iPad at 2026 iPad Pro M5 I can only get as far as setting up my pin number once. When I try and set it up to confirm no keypad appears. Hugely frustrating and I have absolutely no idea why this is the case. As I say, I do have an alternative option with my iPhone. Nonetheless – you want to be able to use the application on any device of you’re choosing it is meant to be compatible with and clearly there is some sort of issue with setting up the pin number on a new iPad. ### 1/5 — Can’t set a pin *2026-04-11, version 1.36.0* I enter my email address, approve access via my phone then enter my pin. I am then asked to enter my pin again to confirm it but there is no way to renter my pin, the number pad does not appear. I’ve reinstalled the app and restarted my iPad but still no joy. ### 1/5 — iPad app not working *2026-02-25, version 1.35.0* Having issues after two years with the app. Unable to log in. Have spent days trying and customer support says it’s not made for an iPad and to use a mobile. In which case remove it from the App Store for iPad compatibility. Or just go back to previous versions which worked fine. ### 1/5 — Old customers treated unfairly *2025-11-07, version 1.31.3* I originally gave Monument a 5 star review after being a customer for a few years. Recently I noticed they were giving a better interest rate to new customers via the platform Raisin. Then today I noticed they again giving new customers 4.5% AER on an easy access account. They are only giving me 3.77% AER for the same account. I think it’s really unfair to give new customers better rate than old faithful customers. Shame on you Monument Bank. Today I closed my account. ### 1/5 — Can’t log in *2025-09-17, version 1.31.0* Just switched to a new phone and I can’t log into the app, I’m locked out. Using iOS 26. ### 1/5 — Log in problems *2025-07-27, version 1.29.0* Not letting me log in ### 1/5 — App Chat Doesn’t Work on IOS *2025-04-22, version 1.25.0* I’ve not had my cash isa long and am currently thinking of closing it. I think it’s a poor show in this day and age to have no customer service at weekends. I attempted to transfer my cash isa at the weekend from my current provider to monument but it wasn’t on the list of available providers to transfer from. I waited patiently until today - Tuesday following the bank holiday - and sent a chat request within the app. There was no response after 15 minutes and so I left the app to come back later. Coming back I attempted to re-enter the chat and it doesn’t respond at all. I’m not impressed Update - Ive finally managed to get in contact with someone using the app. I achieved this by first of all restarting my phone to get the app out of its ridiculous unresponsive state. I then resubmitted my query and kept adding more messages to my thread to keep my phone from sleeping. Eventually someone replied to tell me that due to a high demand my ISA provider was one of those that they weren’t currently accepting transfers from. How long would it be before they would be I asked? We don’t have any timescales they replied. Okay Ive endured enough frustration here. It’s really not worth the fraction of a percentage higher interest rate over one of the more mainstream providers who see the benefit of providing a better customer experience. I shall be advising my wife to transfer her ISA away from monument as well. Tattie Bye ### 1/5 — Code doesn’t send to my phone *2025-03-31, version 1.24.1* Can’t sign up ### 1/5 — Stuck on account opening *2025-03-14, version 1.24.1* After filling in all the info to open a new account, the app got stuck on a “Sorry this is taking longer than expected “ screen. The screen says they will contact me in 2 days if they need more info. It’s been a week and I haven’t heard from them. There’s no way to chat with support. That’s a frustrating experience. ## Most praised reviews (10 highest-rated) ### 5/5 — Monument Absolutely excellent *2026-06-18, version 1.39.0* Great app Great bank. Easy to use the app, no hidden guessing, brilliant design (simple is clever). Highly recommend for easy financial control and good rates. ### 5/5 — Great and fast easy to use *2026-06-16, version 1.39.0* I use monument bank as it’s exactly the same as using a normal bank in every way but you earn great interest on the money you have in your account unlike in all the others that give nothing ### 5/5 — So user friendly *2026-06-09, version 1.39.0* A great app. Very clear at all stages and very easy to use and choose the best product for you. ### 5/5 — Fab banking app *2026-06-02, version 1.39.0* Love the banking app very easy to understand Uses normal language ### 5/5 — Monument App *2026-06-01, version 1.39.0* Truly amazing - the speed and operation of the app is brilliant. First class service. ### 5/5 — Great service *2026-05-27, version 1.39.0* Fab app notifying you of how your money moves when required. ### 5/5 — Monument limited access account *2026-05-17, version 1.38.0* Easy to use good interest rate, does what is says. Brilliant ### 5/5 — Easy does it!! *2026-05-14, version 1.38.0* Just soooo easy using the app!! All the information you need just in 2-3 taps. Luv it!!! ### 5/5 — Great service *2026-05-08, version 1.38.0* I am enjoying using the Monument bank savings account. It gives a great rate of interest and movement of money to And from my current account is so easy. And fast, usually taking place within seconds. ### 5/5 — Superb app *2026-05-02, version 1.37.0* Monument app is without doubt the easiest smoothest app I’ve ever used managing my money . Result monument are the first interest rates I check when managing my money --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-12.*