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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2458 reviews)

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4.96

Based on 2,458 reviews, last reviewed 15th Apr 2025

64600% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Great service The experience is great and meets all my needs Reviewed on: 15th April 2025

Latest lowest rating:

1

Monzo. The most devious, incompetent bank in the UK. Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud pol... Read more Reviewed on: 4th March 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.

Monzo Flex Credit Card reviews (2458)

Review of the Monzo, Flex Credit Card:

Monzo. The most devious, incompetent bank in the UK.

Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud policy are pitiful, and they have no interest in resolving issues. I was a loyal customer for 4 years. I had a paid current account and monzo flex credit card. I got defrauded on the card. Dealing with Monzo was excruciating. You cannot phone them, only chat on their app and they don't do real-time. There are one, two, four hour gaps in communication. You could be talking to someone, then they log off, and you have to start with someone new. I have never experienced such poor service from a bank in this regard. After a full week of wretched support, chat conversations over 12 hour days and following all their recommendations to reinstall app and reset account, I got stung with an apple pay set-up request and defrauded by £1800. Another week, and Monzo's response was that i was the only person who could have authorised the payment, so they would not refund the fraud. I then got a message on the app saying they were closing my account, and they expected payments to me made on the amount defrauded. I reported Monzo to the financial ombudsman, who found in my favour and I got the money back with a small amount of compensation that was not worth it for the amount of time I spent dealing with the issue. The victim support team told me that they see loads of the same type of issue with Monzo and their social media is full of posts from people who experienced the same appalling treatment I did, normally over fraud transactions that Monzo refuse to recognise. I would never use or recommend Monzo the pretend bank. They are the worst organisation I have ever dealt with, period. Avoid like the plague. If you have any issues at all, Monzo will throw you under the bus. Reviewed on: 4th March 2025

Great service

The experience is great and meets all my needs Reviewed on: 15th April 2025

The Monzo flex has to be one of the greatest inventi...

The Monzo flex has to be one of the greatest inventions ever! Reviewed on: 15th April 2025

Must have Credit Card!

I’ve been really impressed with Monzo Flex so far. One of the features I really appreciate is the flexibility to adjust the amount I want to pay each month. It’s a great way to stay on top of my finances without affecting my credit score, which gives me peace of mind. I also love how Monzo gives clear reminders before any money is taken out. It helps me stay organized and avoid any surprises. On one occasion, I unexpectedly missed a payment, but the customer service team was incredibly helpful. They guided me through using features in the app to make sure the missed payment didn’t affect my credit score. That kind of support really makes a difference. Overall, it’s a user-friendly and thoughtful service that puts you in control. Reviewed on: 14th April 2025

Great rates including 0% interest options, flexible...

Great rates including 0% interest options, flexible monthly instalments. They educate you on the product using a short, simple and engaging PowerPoint style educational piece on the app. Reviewed on: 14th April 2025

Very smooth experience no set back.

Very smooth experience no set back. Never had an issue with customer service and it’s the best travel card to get. Reviewed on: 14th April 2025

Managing my money has never been easier

I absolutely love Monzo! Managing my money has never been easier. I love all the features and perks, and recommend it to all my friends. Reviewed on: 14th April 2025

The Flexi credit card is a game changer!

The Flexi credit card is a game changer! It’s lets you borrow money short term without getting into a rut with snowballing interest. Reviewed on: 14th April 2025

Very smart and efficient banking

Very smart and efficient banking Reviewed on: 14th April 2025

Been with Monzo since I was in school, still love it...

Been with Monzo since I was in school, still love it just as much today Reviewed on: 13th April 2025

Flex has completely changed the way I manage money.

Monzo Flex has completely changed the way I manage my money – in the best possible way! Flex gives me the freedom to spread payments with zero hassle, and the control to stay on top of my spending without falling behind. It’s quick, smooth, and incredibly transparent, no hidden fees, no stress. I used it recently for a bigger purchase I would have otherwise delayed, and the process was seamless. Within seconds, I had split the cost and could track everything right from the app. It’s smart, simple, and genuinely empowering. Monzo Flex isn’t just a feature, it’s a financial game changer. Reviewed on: 13th April 2025

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