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Monzo Bank - Mobile Banking

Monzo Bank - Mobile Banking

Personal & business banking

5.6K ratings
1628 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 4, 2016
  • July 23, 2026

Features

Developer

Monzo Bank Limited
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Monzo Bank - Mobile Banking screenshot #1 for iPhone
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Monzo Bank - Mobile Banking screenshot #7 for iPhone
Monzo Bank - Mobile Banking screenshot #8 for iPhone
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About

Manage your finances with a digital banking app offering real-time spending notifications, savings tools, and cashback rewards. Connect all your accounts for a comprehensive financial overview and enjoy secure, FDIC-insured deposits.

✓Real-time spending notifications
✓Cashback on purchases
✓High APY savings rates
✓Savings Jars for goals
✓Connect external accounts
✓Early direct deposit
✓FDIC pass-through insurance
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What users say

Summarized from real user reviews of Monzo Bank. Based on 5.6K reviews and a 4.7/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💰Great referral rewards
  • 👍Excellent customer service
  • 🚀Seamless mobile banking
  • 💳Convenient features like early salary payments
  • 🌍Excellent for international travel

Negative things

  • 🐛App crashes and bugs
  • 🔒Accounts frozen/closed without explanation
  • 💸Unexpected fees and account closures
  • 🤖Poor chatbot/automated support
  • 📞Lack of phone support
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+1

What's New in Monzo Bank

7.36.0

July 23, 2026

We're always keeping things running smoothly with regular bug fixes and maintenance. If there's something new, we'll shout about it. (Not literally. Apps can't shout).

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User reviews

Most RecentHighest RatedLowest Rated

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I can’t update
Bhjjjjj99987Bhjjjjj99987

The best bank

Absolutely love Monzo. The split pots are amazing and so much easier to keep on track of everything. !!!!
Bigggyy92Bigggyy92

Monzo

Best app bank
Matus 2026Matus 2026

Best Bank

Had Monzo years now and it’s the best bank - had a few fraudulent issues and have sorted them within an hour and refunded the money. Never had an issue with them and would never leave. Couldn’t recommend more.
Si Moore CroftonSi Moore Crofton

Bad bank

I have this bank for ages … I have recently been through a couple of scams about I have reported this to the bank and had proof but still not they have said no evidence so I can’t get my money back .. this has happened couple of times now 🤬🤬🤬
Billy hardy91Billy hardy91
See 1623 more reviews

User experience

🐞

Reported Bugs

3 issues

Login issues with email links

Bug

Address lookup not working

Bug

Recurring payment failures

Bug
✨

Requested Features

4 requests

iPad app version

Feature

Ability to hide balance from others

Feature

More customizable budgeting categories

Feature

Faster international money transfers

Feature

FAQ

What does the Monzo app do?

The Monzo app is a digital banking platform that allows you to manage all your finances in one place. It offers real-time spending notifications, tools to help you save money, and cashback rewards on purchases. You can also connect external bank accounts for a complete financial overview.

What are the key features of the Monzo app?

Key features include instant spending notifications, cashback on purchases, competitive APY rates for savings, and 'Savings Jars' to set and track financial goals. The app also supports early direct deposit, spare change roundups for savings, and the ability to connect all your accounts for a unified view.

How much does Monzo cost?

The app offers a free 'Everyday' account with a 2.00% APY on savings. A 'Preferred' account is available for a fee, offering a higher savings rate of 3.75% APY and additional features. Some features may require a Preferred account.

Is my money safe with Monzo?

Yes, your money is eligible for up to $250,000 in FDIC pass-through insurance through Lead Bank. The app also employs anti-fraud systems and allows you to protect your account with Touch ID, Face ID, and a PIN.

Who is the Monzo app for?

This app is designed for individuals who want a modern, convenient, and feature-rich way to manage their daily spending, savings, and overall financial health. It's particularly useful for those who appreciate real-time financial insights and automated savings tools.