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Monzo app reviews: what users complain about
We ran AppGripe on 300 of the most recent public App Store reviews of Monzo Bank - Mobile Banking (Finance, by Monzo Bank Limited) from 3 storefronts, dated 2017-02-14 to 2026-10-21. Average rating in this sample: 3.5★. Its all-time US App Store rating is 4.7★ from 5,689 ratings. 81 reviews contained a complaint; the biggest theme was bugs (52%).
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Complaint categories
| Category | Reviews | Share of complaints | Avg severity (0–3) |
|---|---|---|---|
| Bugs | 42 | 52% | 2.5 |
| Feature requests | 28 | 35% | 2.0 |
| Pricing / subscription | 20 | 25% | 2.4 |
| UX / design | 15 | 19% | 1.9 |
| Performance | 8 | 10% | 2.4 |
| Crashes / freezes | 5 | 6% | 2.7 |
A review can count in several categories, so shares add up to more than 100%. Severity is the AI's estimate of how bad the problem is for the user.
Top issues, ranked by reviews × severity
- Answer support requests: 61 complaining reviews, avg severity 2.5/3. What to do: Add an in-app contact option and reply to these App Store reviews; Apple lets developers respond publicly.
“I keep calling to get help with a dispute but at this point I don’t even want the money back because I got paid again but I can’t use my money. When I call I keep getting put on hold for hours then the phone hang up and when I try to text customer support thro…” (1★, v5.87.0, US) - Fix login / account access: 52 complaining reviews, avg severity 2.5/3. What to do: Audit the sign-in flow (SSO, password reset, verification emails) on the latest version; add clear error messages.
“I downloaded the app and gave all my info and I got a message saying they couldn't verify my account chat with us and no one is in the chat room it's been going on for over 8 hrs and my account is not fixed no is the anyone to!!! I searched for Monzo's number…” (1★, v5.64.0, US) - Ship the most requested feature: 14 complaining reviews, avg severity 1.8/3. What to do: Read the quotes below for the exact request; consider a public roadmap.
“Please bring back the old Monzo sounds! The previous payment and notification sounds were much more distinctive and satisfying. They were a small detail, but they gave Monzo a lot of personality and made the app instantly recognisable. The new sounds just do…” (1★, v8.3.0, GB) - Soften the redesign backlash: 13 complaining reviews, avg severity 1.7/3. What to do: Explain the change in-app, restore the most-missed option, or offer a setting for the old behaviour.
“Monzo used to be so easy to use but with the new layout they screwed everything up. Simple things like withdrawing money from the savings pot used to be just a click away and now it’s buried deep in so many clicks and menus that you have no choice but to ask…” (1★, v5.51.0, CA) - Justify or adjust the price: 7 complaining reviews, avg severity 2.3/3. What to do: Test a cheaper tier, annual discount or one-time purchase; show what paid users get.
“I’ve been a Monzo customer for over 9 years and I’m extremely disappointed with my experience. I pay around £17–£19 a month for Monzo Max, but I’m not seeing the benefits I expected from the subscription. I previously applied for Monzo Flex and was told that…” (1★, v8.4.0, GB) - Make trials and renewals transparent: 6 complaining reviews, avg severity 2.4/3. What to do: Show the renewal date and price before the trial ends; link to cancellation. Surprise charges drive 1-star reviews and refunds.
“The app is fine, but after closing the account my external debit card (the one that I have sent money to before closing) was compromised and now I have to deal with unauthorized charges in my other bank. I’ve never used that card anywhere except Monzo so you g…” (1★, v6.29.0, US)
Rating by app version (newest first)
| Version | Reviews | Avg stars | Share with a complaint |
|---|---|---|---|
| 8.5.0 | 46 | 4.8 | 2% |
| 8.4.0 | 46 | 4.5 | 9% |
| 8.3.0 | 42 | 4.3 | 19% |
| 7.25.0 | 4 | 3.0 | 25% |
Versions with fewer than 3 reviews in the sample are left out.
FAQ
What do users complain about most in Monzo?
In 300 recent App Store reviews (2017-02-14 to 2026-10-21), the most common complaint theme was bugs (52% of complaining reviews), and the top specific issue was “answer support requests” (61 reviews).
How many Monzo reviews are negative?
81 of 300 recent reviews (27%) contained a complaint. Average rating in this sample: 3.5★. Its all-time US App Store rating is 4.7★ from 5,689 ratings.
Can I get the same report for my own app?
Yes. Paste your App Store or Google Play link at revunda.xyz/apps/ and you get the full PDF (up to 300 recent reviews, 7 categories, 18 specific issues, version trend, 10 ranked fixes) within 24–48 hours. A free mini check shows the top 3 themes in seconds.
How to read this
Apple's public feed only shows recent reviews, so this is a snapshot of the last weeks or months, not the app's full history. Popular apps attract complaints in proportion to their size; the useful part is which issues repeat. Generated 21 October 2026. We have no relationship with Monzo Bank Limited.
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