Monument Reviews 

What you expect

Very easy transaction, best easy access interest rates, app very easy to use. Great.

Easy to open the account

Very easy to set up new account and app is straightforward to use

Generally, the account application and opening was very smooth and the app was good. However, during their account application process, you are asked to nominate a linked bank account. Naturally, I specified my main current account. The money to fund my new Monument Savings account was held in another account with a daily transfer limit. So to effect the transfer efficiently and avoid any loss of interest, I amended my linked account to the account with the funds and made the single transfer of the balance. So far so good. Remember, I am simply trying to invest my money. The account amendment was intended to be temporary to effect the transfer. My intention was to close the empty funding account after the transfer. When I attempted to change it back to the current account I had originally specified which was still listed in Monument Bank's app, it gave an error msg which asked me to call the bank. However, unlike the funding bank I had transferred from which has 24hrs phone support, Monument Bank phone support was closed after 6pm. So, I composed and sent an explanatory email and received a phone call the next morning. Once I had established it was really Monument Bank before I shared credentials [something all banks ought to do as standard for reassurance that it's a genuine, bona fide call], we discussed reverting my linked bank account to the one I had specified during my application. The Customer Service assistant explained that she would need a few minutes to discuss it with a supervisor. When her supervisor said no, I further explained this was the same account specified during my application. After another wait, they refused to change my linked account back and I was told I could not change my linked account within 6 months. This limitation is absolutely ludicrous. So much for "easy access". My whole intention was to consolidate my savings into a single account. I am now unable to close the linked funding account because it is currently specified as the linked account and I will have to retain it to effect any future transfers which will involve 2 transfers, no doubt losing me interest if I wish to transfer to a bank account with a higher rate. This is something I am actively seeking to do. Furthermore, I have another savings account maturing soon. Again, I had assumed I could easily transfer the balance directly into the Monument Easy Access (misnomer) Savings account achieving my aspiration to consolidate my savings. With this ridiculous 6 month linked account restriction, it is not easy to move money at all. Consequently, I would not recommend this bank account and will leave as soon as I can. Not a good Martin Lewis recommendation. I hope Monument can change when they see how limiting/restrictive to customers this is.

Clear and readily accessible information about the account.

God rates of interest . Process to open account and using app all quick and easy

Swift communication. ease of Transfer of funds from another bank. Good information sent online about the monument Account. Quick and Easy, VeryGood overall

Hassle free ..texts when i deposit money and great interest rate on savings , the app is good and easy to use ...very happy

Good product and app doe the job - looking forward to seeing where Monument goes next as product range is limiting (I've registered interest for the future plans)

I opened a Welcome Saver account with Monument as they had a very attractive interest rate.
The online process was so straightforward and the website is very easy to navigate. Communication has been excellent.
Highly recommended.

So far so good, I recently opened an account for savings, the process and technology was really good and easy to follow, I had a query which I had answered on the telephone by a very helpful person and I cannot fault them, they requested feedback on the 30/09/2026, I stated I would once the account had been set up and was running smoothly and true to my word I am pleased to say Im impressed.

On the contrary I also opened an account at the same time with CynergyBank, so far their communication has been awful and nowhere near as good for customer service as Monument Bank

The bank offered very competitive rates and the account was easy and straightforward to open and fund via their app.

Really quick and easy to open an account with Monument. I love the fact that they don’t use chatbots - if you have a query, a real named person answers it straightaway.
Best of all, I love the feature which shows you daily how much interest you have accrued so far that month

Just really easy to set up and I’m being provided a great rate on my savings

Quick and easy to set up. Online guidance was supportive and easy to choose best account for our purpose- no confusing jargon.

Easy to set up, easy to make deposits.

Very easy to use. Responsive service