Used them to grow our business from 4 figures to 6 figures, they have supported us with new products, along with any issues we have... Used them to grow our business from 4 figures to 6 figures, they have supported us with new products, along with any issues we have had with unknown payments. All in all a wonderful experience. Read more Read less

2 kids accounts opened same day, halifax wanted me to take them into branch during a school day and that was the only appointment they had for 3 months lol

Monzo has given my child an opportunity to manage his finances at an early age, and gives me as a parent real time update on... Monzo has given my child an opportunity to manage his finances at an early age, and gives me as a parent real time update on when to support. I am a happy client Read more Read less

So easy to use, all my financial needs in one place from current account to investing to pensions and regular savings. I even have my... So easy to use, all my financial needs in one place from current account to investing to pensions and regular savings. I even have my child’s account and a joint account there too. All so easy to transfer funds from one to the other. As for asking for payments just get someone to scan a QR code on your phone and they pay you. Read more Read less

I love it very good service. I recommend everyone

I so much like Monzo because since 3 years of my experience they are so supportive, stable with their network and when you have an... I so much like Monzo because since 3 years of my experience they are so supportive, stable with their network and when you have an issue with any payment or order and report to them the will pick it up immediately and assist you and make sure your money is refunded to you. And a lot of ways on saving that will help you. I tell people about Monzo account is very secured despite its online bank and your money is saved. Read more Read less

I’ve had a great experience with Monzo the app is intuitive, payments are instant, and budgeting tools make managing money so easy. Their customer support... I’ve had a great experience with Monzo the app is intuitive, payments are instant, and budgeting tools make managing money so easy. Their customer support is quick, friendly, and genuinely helpful, which makes banking feel stress free. Read more Read less

love Monzo Flex because it completely changes how I think about spending, budgeting, and managing my money. Unlike traditional credit cards, it feels modern, transparent,... love Monzo Flex because it completely changes how I think about spending, budgeting, and managing my money. Unlike traditional credit cards, it feels modern, transparent, and actually built around how people live today. Everything happens inside the app, and that alone makes a huge difference. I can see exactly what I’ve spent, what I owe, and how my repayments are structured in real time, which removes so much of the stress and confusion that usually comes with credit. One of the main reasons I love Monzo Flex is the flexibility—it’s literally in the name. If I make a purchase, I can choose to pay it off in full, or split it into manageable chunks. The ability to spread payments over three months interest-free on purchases over £100 is a game changer, especially for bigger expenses. Instead of taking a financial hit all at once, I can smooth out the cost without paying extra, which makes budgeting so much easier. Another feature I really appreciate is that I can “flex” past payments. If I buy something and later realise I’d rather spread the cost, I can go back and convert that payment into instalments. That level of control is something you just don’t get with most credit cards. It feels forgiving and adaptable, which is exactly what you want when managing real-life finances. The transparency is also a huge plus. Before confirming any payment plan, Monzo shows exactly how much I’ll pay each month and how much interest (if any) I’ll be charged. There are no hidden fees or confusing terms—everything is clear and upfront. That builds trust, and it makes me feel more confident using it regularly. I also love how seamlessly it integrates into everyday spending. Whether I’m shopping online or in-store, I can use it anywhere that accepts card payments, and even choose instalments at checkout with Apple Pay. It doesn’t feel like a separate financial product—it just feels like a natural extension of my bank account. Another reason I rate Monzo Flex so highly is how it helps with financial discipline. Because everything is visible in the app and payments are structured, it encourages me to stay on top of my money. It’s not just about borrowing—it’s about managing cash flow in a smarter way. It even helps build credit over time if used responsibly, which adds long-term value beyond just convenience. On top of that, there are no monthly or annual fees, and I can pay off balances early without penalties.  That flexibility makes it feel low-risk compared to traditional credit cards. Plus, features like purchase protection give extra peace of mind when spending on bigger items. Overall, Monzo Flex feels like credit done right. It’s simple, flexible, and designed around real people rather than outdated banking systems. For me, it’s not just a credit card—it’s a tool that makes managing money easier, clearer, and far less stressful. Read more Read less

Was easy to set up and easy for both myself and daughter to track everything. Is early stages yet but everything has been seemless