# Monzo Bank - Mobile Banking — user reviews > 1,862 indexed App Store user reviews of Monzo Bank by Monzo Bank Limited, rated 4.70/5 from 5,654 ratings. - Source: https://appshunter.io/ios/app/monzo-bank-mobile-banking/id1052238659/reviews - App overview in markdown: https://appshunter.io/ios/app/monzo-bank-mobile-banking/id1052238659.md - Rating breakdown: 5★ 5,054 · 4★ 258 · 3★ 78 · 2★ 44 · 1★ 220 ## What do users think of Monzo Bank? Overall sentiment: neutral **Pros** - 💰 Great referral rewards - 👍 Excellent customer service - 🚀 Seamless mobile banking - 💳 Convenient features like early salary payments - 🌍 Excellent for international travel **Cons** - 🐛 App crashes and bugs - 🔒 Accounts frozen/closed without explanation - 💸 Unexpected fees and account closures - 🤖 Poor chatbot/automated support - 📞 Lack of phone support **Commonly reported bugs** - Login issues with email links - Address lookup not working - Recurring payment failures **Most requested features** - iPad app version - Ability to hide balance from others - More customizable budgeting categories - Faster international money transfers ## Newest reviews (17 of 1,862) ### 2/5 — Its alright *2026-08-30, version 7.41.0* I warn you do not get it if your looking for a card and your under 16 sure they do child cards but give you absolutely no freedom everything is just “ask your parent” like bro most of us using the app are not dumb 5 year olds we have common sense so atleast let us connect our cards to apple pay and also it took me and my dad a lot of time just to find the log in qr code JUST TO LET ME LOG IN like bro make the ui a bit more easier for people who aren’t chronically online and maybe dont know much about where to go and what that but apart from that if your a grown adult its a great app like otherwise i would give 5 stars but nope theres way too much false advertising about the child banking service ### 4/5 — Money *2026-08-29, version 7.41.0* I got the under 16 account and so does my brother but we can’t send money between us and we have to use a link or get our mum to do it please Monzo change this also make it so we can have multiple accounts I love all the features but I can only receive £250 in 30 days and I can’t send money because my card gets declined but I have enough funds but my brother can send me money ### 5/5 — Great bank *2026-08-27, version 7.41.0* Very happy. No issues ### 5/5 — Best Service *2026-08-27, version 7.41.0* Best service ever ### 5/5 — Good *2026-08-27, version 7.41.0* Good ### 5/5 — Excellent banking *2026-08-27, version 7.41.0* Great to have MonzoFlex and also the option to get pay the salary the day before after 4pm 😊 ### 5/5 — Monzo is sick *2026-08-27, version 7.41.0* Love Monzo ever since I’ve switched… best bank ever to be with. ### 5/5 — Top *2026-08-27, version 7.41.0* The best bank I ever bank with. ### 5/5 — Easy to navigate *2026-08-27, version 7.41.0* Best one ### 5/5 — Great! *2026-08-27, version 7.41.0* Best move I made ### 5/5 — Best bank *2026-08-27, version 7.41.0* Been using Monzo since 2017. It’s been my main bank account for the last 5 years. Love it and highly recommend, especially if you travel a lot ### 5/5 — Best mobile banking app *2026-08-27, version 7.41.0* I’ve used several mobile banking apps but Monzo is by far the best. The app is constantly updated and improved, and the user interface makes everything so clear. It is genuinely a pleasure to use this app, something I rarely feel about any app let alone a banking one. ### 5/5 — Amazing *2026-08-27, version 7.41.0* I love Monzo ### 5/5 — Mr chap *2026-08-27, version 7.41.0* App is very easy to use and has very helpful tools to assist your money needs ### 5/5 — Awesome *2026-08-27, version 7.41.0* Amazing ### 5/5 — FANTASTIC *2026-08-27, version 7.41.0* Easy to use app and all the right tools to make banking as easy as 123 ### 5/5 — Review *2026-08-27, version 7.41.0* Best banking app in worldwide ## Most critical reviews (10 lowest-rated) ### 1/5 — Dr. Gurcan Avci *2026-08-30, version 7.41.0* They could not change my address and could not use the application properly. Several times I sent email Only generic solutions but useless ### 1/5 — Worst bank in my life *2026-08-29, version 7.41.0* Worst bank in my life they froze my account coz I got sent money from a friend and they had a stupid name so they keeps saying not it a scam it’s a scam and then they closed my back account for like no reason ### 1/5 — Awful *2026-08-27, version 7.41.0* Impossible to navigate would be better off using a piggy bank ### 1/5 — Annoying popups *2026-08-27, version 7.40.0* Stop adding annoying popups trying to get me to upgrade to extra! ### 1/5 — Stop moving stuff around! *2026-08-26, version 7.40.0* Stop moving stuff around, I don’t know how to get to my pots now. I used to be able to access my pots easily and now I can’t because you’ve hidden it so I can’t get access to my money. ### 1/5 — Misleading notifications *2026-08-25, version 7.40.0* I keep receiving notifications from Monzo encouraging me to check out their loans, but when I try to get a quote, I’m told I don’t match their internal lending criteria. If I’m not eligible, why keep sending me loan notifications? ### 1/5 — Avoid like the plague *2026-08-25, version 7.40.0* I’m leaving a negative review. I’d love to tell you why I’m leaving a negative review however due to regulations I don’t have to but I can say their banking services are not reflective of a positive experience and I’d advise you to do the same. ### 1/5 — hiding pots *2026-08-24, version 7.40.0* Was great for a while but they needlessly change what isn’t broken. ### 1/5 — Ensh*tification *2026-08-23, version 7.40.0* The app was great, but you keep tinkering with it. Payments: I now take three goes to transfer from the correct account after you’ve fiddled with how bank accounts are chosen. Payments were better and easier 2-3 years ago. Grow: it’s now several clicks away to get to my savings account pots. It was much better before when they were all next to the regular pots. You had a great app, but keep messing about with it to add useless features. Just leave it alone. ### 1/5 — idk whats wrong with monzo *2026-08-21, version 7.40.0* Ive been using monzo for years with no problems but just today they shut my account for no reason and they’re make me pay the flex payment without my main account? and whats worse they are asking me to pay using natwest when i’m not registered to them. I don’t know what the reasoning was because I always pay back the flex payments every single time, im in no debt and im financially stable. The customer service is actually horror, zero communication to anything and can’t resolve anything without clear explanations, ## Most praised reviews (10 highest-rated) ### 5/5 — Great bank *2026-08-29, version 7.41.0* Fabulous banking app. Easy to use and so helpful ### 5/5 — Amazing *2026-08-28, version 7.41.0* I love monzo, the pots, how easy it was to transfer everything over , DDS etc. Thanks for making banking fun. ### 5/5 — Exilent Bank *2026-08-28, version 7.41.0* I am using this bank last three years. i good experience easy payment method transfer and revived 🎉🥳🥳👌 ### 5/5 — Excellent app *2026-08-27, version 7.41.0* Been enjoying using Monzo app. I strongly recommend it for anyone looking for a good place to bank ### 5/5 — Multiple user. *2026-08-27, version 7.41.0* I love it. I have personal. Joint and two business accounts. It truly is worth while. ### 5/5 — Mr West *2026-08-27, version 7.41.0* I love monzo, best bank ever😍🥰 ### 5/5 — Efficiency first class *2026-08-27, version 7.41.0* Systems efficient ### 5/5 — Monzo *2026-08-27, version 7.41.0* Great ### 5/5 — Best Bank Ever *2026-08-27, version 7.41.0* Top of the pots! ### 5/5 — Best Virtual Bank *2026-08-27, version 7.41.0* I worked for Midland/HSBC for 26yrs and they were ground breaking with First Direct. Monzo now far exceeds this and are constantly evolving and looking for new ways to improve . I cannot recommend them enough except to say I no longer bank with HSBC --- *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 2026-09-09.*