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Monzo vs Starling Bank vs Revolut: which app has fewer problems?

We compared 300 recent App Store reviews of Monzo, 300 recent App Store reviews of Starling Bank and 500 recent App Store reviews of Revolut, each classified by AI into 7 complaint themes (samples from up to 6 storefronts, latest review 2026-10-22). Revolut has the fewest complaints overall: 5% of its recent reviews contain a complaint, vs 27% for Monzo and 18% for Starling Bank.

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Ratings at a glance

App	All-time US rating	Ratings	Avg in our sample	Reviews analysed	Reviews with a complaint	Sample dates
Monzo	4.7★	5,689	3.5★	300	27%	2017-02-14 – 2026-10-21 (3537 d)
Starling Bank	4.9★	2,791	4.08★	300	18%	2019-03-04 – 2026-10-22 (2790 d)
Revolut	–	–	4.72★	500	5%	2026-06-13 – 2026-10-19 (129 d)

Complaint themes side by side

Share of all analysed reviews that mention each theme (review count in brackets). Bold = lowest. A review can mention several themes.

Theme	Monzo	Starling Bank	Revolut
Bugs	14% (42)	7% (20)	3% (14)
Crashes / freezes	2% (5)	1% (2)	1% (4)
Performance	3% (8)	1% (4)	0% (1)
UX / design	5% (15)	7% (20)	0% (2)
Pricing / subscription	7% (20)	2% (5)	1% (5)
Ads	0% (0)	0% (1)	0% (0)
Feature requests	9% (28)	8% (24)	3% (13)

Verdict: which one has fewer problems?

Across the latest 1,100 App Store reviews we collected, Revolut has the lowest share of reviews with a complaint (5%) and Monzo the highest (27%). The biggest single difference is in bug complaints: 14% of Monzo reviews mention them, vs 3% for Revolut. Each app's own biggest complaint theme: Monzo, bugs (42 reviews); Starling Bank, feature requests (24 reviews); Revolut, bugs (14 reviews). Average star rating in the samples ranges from 3.5★ (Monzo) to 4.72★ (Revolut). Time span of each sample: Monzo 3537 days (2017-02-14 to 2026-10-21); Starling Bank 2790 days (2019-03-04 to 2026-10-22); Revolut 129 days (2026-06-13 to 2026-10-19). Because Revolut's sample covers a much shorter period, a single recent update or outage weighs more heavily in its numbers. Samples that reach back many months (fewer reviews per day) show long-running issues rather than the effect of one recent update.

Fewer bug problems: Revolut, 3% of its reviews vs 14% for Monzo.
Crash and freeze complaints: roughly tied (Monzo 2%, Starling Bank 1%, Revolut 1% of reviews).
Performance (slowness, battery, storage) complaints: roughly tied (Monzo 3%, Starling Bank 1%, Revolut 0% of reviews).
Fewer UX / design problems: Revolut, 0% of its reviews vs 7% for Starling Bank.
Fewer pricing and subscription problems: Revolut, 1% of its reviews vs 7% for Monzo.
Ad complaints: roughly tied (Monzo 0%, Starling Bank 0%, Revolut 0% of reviews).
Fewest feature requests: Revolut, 3% of its reviews vs 9% for Monzo.

Gaps under 3 percentage points are called a tie. Samples are recent reviews only, so this is a snapshot of current problems, not all-time quality.

Top 3 specific issues for each app

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)

Biggest theme: bugs. Free PDF

Starling Bank

Ship the most requested feature (16 reviews, severity 1.6/3)
Simplify navigation (12 reviews, severity 2.0/3)
Fix login / account access (10 reviews, severity 2.3/3)

Biggest theme: feature requests. Free PDF

Revolut

Fix login / account access (8 reviews, severity 2.6/3)
Answer support requests (6 reviews, severity 2.4/3)
Fix crash on launch (2 reviews, severity 3.0/3)

Biggest theme: bugs. Free PDF

FAQ

Which has fewer problems overall: Monzo, Starling Bank or Revolut?

In the most recent App Store reviews we analysed, Revolut had the lowest share of reviews with a complaint (5% of 500) and Monzo the highest (27% of 300). Monzo: 81 of 300; Starling Bank: 54 of 300; Revolut: 27 of 500.

Which has fewer bug complaints: Monzo, Starling Bank or Revolut?

Revolut. Monzo: 42 of 300 recent reviews (14%); Starling Bank: 20 of 300 recent reviews (7%); Revolut: 14 of 500 recent reviews (3%).

Which has fewer crash and freeze complaints: Monzo, Starling Bank or Revolut?

In our samples they are roughly tied: Monzo: 5 of 300 recent reviews (2%); Starling Bank: 2 of 300 recent reviews (1%); Revolut: 4 of 500 recent reviews (1%).

Which has fewer pricing and subscription complaints: Monzo, Starling Bank or Revolut?

Revolut. Monzo: 20 of 300 recent reviews (7%); Starling Bank: 5 of 300 recent reviews (2%); Revolut: 5 of 500 recent reviews (1%).

Which has fewer ad complaints: Monzo, Starling Bank or Revolut?

In our samples they are roughly tied: Monzo: 0 of 300 recent reviews (0%); Starling Bank: 1 of 300 recent reviews (0%); Revolut: 0 of 500 recent reviews (0%).

Which is rated higher on the App Store: Monzo, Starling Bank or Revolut?

All-time US App Store ratings: Monzo 4.7★ from 5,689 ratings; Starling Bank 4.9★ from 2,791 ratings. Starling Bank is highest, but all-time ratings move slowly; the recent-review samples above show current problems.

How recent is this Monzo vs Starling Bank vs Revolut data?

Each sample is the most recent public App Store reviews we could collect (from up to 6 storefronts): Monzo: 300 reviews over 3537 days (2017-02-14 to 2026-10-21); Starling Bank: 300 reviews over 2790 days (2019-03-04 to 2026-10-22); Revolut: 500 reviews over 129 days (2026-06-13 to 2026-10-19). It is a snapshot of current problems, not all-time quality.

What is the most common complaint about Monzo, Starling Bank and Revolut?

Monzo: bugs (42 of 300 reviews), top-ranked fix: “answer support requests”; Starling Bank: feature requests (24 of 300 reviews), top-ranked fix: “ship the most requested feature”; Revolut: bugs (14 of 500 reviews), top-ranked fix: “fix login / account access”.

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