Monzo froze my current account out of nowhere and locked me out of my own money for over a week with no clear explanation. Every chat reply pointed to a vague review process while my direct debits bounced. For something this serious, the lack of a phone line and real answers was deeply frustrating.
Account frozen without explanation, no phone support
Monzo has made managing my money so much easier. The instant spending notifications and the Pots feature help me budget without thinking about it, and splitting bills with friends is effortless. My only gripe is that paying in cash means a trip to a PayPoint, which is a faff.
Great budgeting tools, instant alerts
Awkward to deposit cash
Switching to Monzo was the best financial decision I've made. The app is genuinely intuitive, Pots let me ring-fence savings for bills and holidays, and the fee-free spending abroad saved me a fortune on my last trip. Real-time notifications mean I always know exactly where I stand.
Intuitive app, fee-free abroad, savings Pots
The Monzo app itself is slick, but when a fraudulent transaction hit my account the support process was painfully slow and handled entirely over chat. It took days to get my dispute taken seriously. The tech is great, the human side needs work.
Slow fraud dispute handling
Monzo is my main current account now and the day-to-day experience is excellent, from the card to the spending insights. Setting up the account took minutes. The only thing holding back five stars is that the savings interest options feel a bit limited compared to elsewhere.
Easy setup, great spending insights
Limited savings interest