The scores
Monzo reviews well where it is listed. Apple App Store (GB) has it at 4.9 out of 5 from 339,540 ratings.
Review scores by platform
Apple App Store (GB)
4.9/ 54.9 out of 5
Based on 339,540 ratings.
Retrieved 21 July 2026.
Read Monzo reviews on Apple App Store (GB)(opens Apple App Store (GB) in a new tab)
Scores are whatever the platform showed on the date given. They move.
What reviewers praise
- The App Store score is 4.9 from over 339,000 UK ratings, which is a very large sample for a UK finance app
- The free tier is complete enough that paying is genuinely optional
- Spending notifications, pots and categorisation are the features people cite as habit forming
What reviewers complain about
- Four tiers with overlapping perks make the paid ladder hard to compare
- Max carries a three month minimum term
- Benefit led pricing means the value depends on whether you use Greggs, Vue and Uber One
What reviewers keep asking for
- No pension or retirement projection
- Nothing that models ISA allowances or UK tax over the years ahead
- Shows you today's balance, not whether today's balance is enough
How it compares feature by feature
This page is about what users say. For the feature comparison, see Delphina vs Monzo.
What reviewers asked for that is missing
Those requests are roughly what Delphina is for. It is UK-first, so pensions, ISAs and UK tax are the default rather than a workaround, and the projections run to retirement rather than to month end.
It is not a replacement for what Monzo is good at, and plenty of people sensibly run both. The free plan is £0, no card.
More on Monzo
Monzo: common questions
Yes. Monzo is an established product in the banking category, with 339,540 ratings on Apple App Store (GB).
Four tiers with overlapping perks make the paid ladder hard to compare. Max carries a three month minimum term. Benefit led pricing means the value depends on whether you use Greggs, Vue and Uber One.
No. Reviewers raise this directly: no pension or retirement projection. Delphina is built around them, if that is the gap you are trying to close.
Read the volume as well as the score. Apple App Store (GB) shows 339,540 ratings, and a score built on a small number of reviews moves a long way on a handful of opinions. The same caveat applies to every product in this category, ours included.