Atom Bank vs Monzo: which app has fewer problems?
We compared 500 recent App Store reviews of Atom Bank and 300 recent App Store reviews of Monzo, each classified by AI into 7 complaint themes (latest review 2026-10-21). Atom Bank has fewer complaints overall: 18% of its recent reviews contain a complaint, vs 27% for Monzo.
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Ratings at a glance
| App | All-time rating (storefront) | Ratings | Avg in our sample | Reviews analysed | Reviews with a complaint | Sample dates |
|---|---|---|---|---|---|---|
| Atom Bank | 4.8★ (UK) | 71k | 4.26★ | 500 | 18% | 2022-11-24 – 2026-10-21 (1428 d) |
| Monzo | 4.7★ (US) | 6k | 3.5★ | 300 | 27% | 2017-02-14 – 2026-10-21 (3537 d) |
Complaint themes side by side
| Theme | Atom Bank | Monzo |
|---|---|---|
| Bugs | 13% (64) | 14% (42) |
| Crashes / freezes | 1% (7) | 2% (5) |
| Performance | 1% (7) | 3% (8) |
| UX / design | 4% (22) | 5% (15) |
| Pricing / subscription | 1% (5) | 7% (20) |
| Feature requests | 6% (31) | 9% (28) |
Verdict: which one has fewer problems?
Across the latest 800 App Store reviews we collected, Atom Bank has the lower share of reviews with a complaint (18%) and Monzo the higher (27%). The biggest single difference is in pricing and subscription complaints: 7% of Monzo reviews mention them, vs 1% for Atom Bank. Each app's own biggest complaint theme: Atom Bank, bugs (64 reviews); Monzo, bugs (42 reviews). Average star rating in the samples: 4.26★ (Atom Bank) vs 3.5★ (Monzo). Time span of each sample: Atom Bank 1428 days (2022-11-24 to 2026-10-21); Monzo 3537 days (2017-02-14 to 2026-10-21). The samples cover comparable periods, so the comparison is reasonably like-for-like.
- Bug complaints: roughly tied (Atom Bank 13%, Monzo 14% of reviews).
- Crash and freeze complaints: roughly tied (Atom Bank 1%, Monzo 2% of reviews).
- Performance (slowness, battery, storage) complaints: roughly tied (Atom Bank 1%, Monzo 3% of reviews).
- UX / design complaints: roughly tied (Atom Bank 4%, Monzo 5% of reviews).
- Fewer pricing and subscription problems: Atom Bank, 1% of its reviews vs 7% for Monzo.
- Fewest feature requests: Atom Bank, 6% of its reviews vs 9% for Monzo.
Top 3 specific issues for each app
Atom Bank
- Fix login / account access (54 reviews, severity 2.3/3)
- Answer support requests (9 reviews, severity 2.5/3)
- Simplify navigation (8 reviews, severity 2.1/3)
Monzo
- Answer support requests (61 reviews, severity 2.5/3)
- Fix login / account access (52 reviews, severity 2.5/3)
- Ship the most requested feature (14 reviews, severity 1.8/3)
FAQ
Which has fewer problems overall: Atom Bank or Monzo?
In the most recent App Store reviews we analysed, Atom Bank had the lower share of reviews with a complaint (18% of 500) and Monzo the higher (27% of 300).
Which has fewer bug complaints: Atom Bank or Monzo?
In our samples they are roughly tied: Atom Bank: 64 of 500 recent reviews (13%); Monzo: 42 of 300 recent reviews (14%).
Which has fewer crash and freeze complaints: Atom Bank or Monzo?
In our samples they are roughly tied: Atom Bank: 7 of 500 recent reviews (1%); Monzo: 5 of 300 recent reviews (2%).
Which has fewer pricing and subscription complaints: Atom Bank or Monzo?
Atom Bank. Atom Bank: 5 of 500 recent reviews (1%); Monzo: 20 of 300 recent reviews (7%).
Which is rated higher on the App Store: Atom Bank or Monzo?
All-time App Store ratings in each app's storefront: Atom Bank 4.8★ from 71k ratings (UK); Monzo 4.7★ from 6k ratings (US). Atom Bank is higher, but all-time ratings move slowly; the recent-review samples above show current problems.
What is the most common complaint about Atom Bank and Monzo?
Atom Bank: bugs (64 of 500 reviews), top-ranked fix: “fix login / account access”; Monzo: bugs (42 of 300 reviews), top-ranked fix: “answer support requests”.
Full reports
- Atom Bank reviews: top complaints and what users want fixed
- Monzo reviews: top complaints and what users want fixed
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