Last updated: 1 July 2026
By Stiv · Design, technology and personal finance
This Monzo review is based on my own experience using Monzo as my main current account for over four years, on the £7 a month Perks plan. I run everyday spending, Pots and my Sprive mortgage overpayments through it, so this is real use rather than a weekend trial.
This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.
This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view. This page is general information, not financial advice.
Cool Factor: 4/5
Banking / Opinion
Welcome to my honest Monzo review, written from the inside rather than the marketing deck. I have banked with Monzo since well before it became a household name, so this is four years of daily use talking. Monzo is now the UK's largest digital bank, with more than 15 million customers. However, the interesting question is not how big it has become. Instead, it is whether the everyday account and app still feel special, or whether the spark is quietly fading.
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