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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2509 reviews)

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4.96

Based on 2,509 reviews, last reviewed 9th Jul 2025

90% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Found myself now using this as my primary credit card. Found myself now using this as my primary credit card. So easy and useful, with great flexibility on how you wish to use credit. Also provides that se... Read more Reviewed on: 9th July 2025

Latest lowest rating:

2

The most Useless CC I am trying to use Monzo flex credit card and where ever I've tried to use it and that's multiple places it doesn't allow me to use it. It's the most ... Read more Reviewed on: 4th June 2025

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About this product

Monzo Flex is a credit card that is integrated into the Monzo banking app. It allows users to spread the cost of purchases over time, offering a flexible way to pay. When you make a purchase, you can choose to pay it off in installments over a period, such as 3, 6, or 12 months, offering an interest-free period for shorter terms or a competitive interest rate for longer terms.

Are you looking for a flexible credit card? Our Monzo Flex credit card reviews can help you decide if they're the right option for you.

If you’re considering applying for a Monzo Flex credit card, check out our reviews first. Discover which features customers are using and how satisfied they've been so far. Learn more about the benefits of being an Monzo Flex customer. All of this and more can be found in our Monzo Flex credit card reviews.

Smart Money People is the place for Monzo Flex credit card reviews. Read and write reviews and help us to increase trust and transparency in Financial Services.

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Monzo Flex Credit Card reviews (2509)

Found myself now using this as my primary credit card.

Found myself now using this as my primary credit card. So easy and useful, with great flexibility on how you wish to use credit. Also provides that security and provides the best credit card integration to current account that I have experienced. The early pay-off functionality is great and the fact it links in with rewards is perfect. Reviewed on: 9th July 2025

Good services and profesionalism

Good services and profesionalism Reviewed on: 8th July 2025

Monzo Flex feels like it works for you, unlike others

Monzo Flex is a super simple credit card that actually feels like it’s working for you and helping you, rather than other card providers who try to catch you out with fees, or present info in frustrating ways that make you mess up, or have terrible unfriendly user interfaces. Monzo Flex just works, and works brilliantly. Reviewed on: 4th July 2025

.Easy access to credit - a little too easy

Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over the short term, and it is a little too easy to spend on. Reviewed on: 17th June 2025

Instant credit granted when I needed it.

Instant credit granted when I needed it. Reviewed on: 13th June 2025

Late in the game, best by name

Very responsive to customer needs. Reviewed on: 13th June 2025

Friendly options, transparent payment options.

Friendly options, transparent payment options. I can use it for everything, personalized. Reviewed on: 12th June 2025

Monzo have curated an app and banking experience tha...

Monzo have curated an app and banking experience that helps the user enjoy banking, functionality is easy to use and rewarding compared to some of the archaic apps that some of the bigger banks use Reviewed on: 12th June 2025

Great service available, especially with the ability...

Great service available, especially with the ability to auto select how the payment comes out. It’s great that you can get up to 3 months free credit and that you can also change your payment and it will work itself out rather than having to go into each individual payment and change them. Reviewed on: 12th June 2025

Monzo's Flex Card makes managing your credit respons...

Monzo's Flex Card makes managing your credit responsibly a breeze. Fully transparent app keeping you in the loop with many options if you want to pay earlier or slow things down a little Reviewed on: 8th June 2025

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