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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2510 reviews)

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4.96

Based on 2,510 reviews, last reviewed 12th Jul 2025

95% 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

Monzo is great! Love the Monzo app, one of the best banking apps out there. So easy to use and manage your finances and super modern. Also love the flex credit card a... Read more Reviewed on: 12th 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 (2510)

The app to manage it is very user friendly.

The app to manage it is very user friendly. Reviewed on: 19th January 2024

Best Banking Experience

For someone who develops technology products, the ease of use and efficiency within the entire Monzo platform is one of the best I have seen. The user experience is brilliant and complemented by banking services that just works. Reviewed on: 19th January 2024

Monzo is soo good with dealing with disputes and als...

Monzo is soo good with dealing with disputes and also the get paid early is a life saver Reviewed on: 19th January 2024

Amazing Monzo

Clean UI. Monzo flex is amazing and easy to use. Good features like savings accounts. Brilliant for oversea use. Reviewed on: 19th January 2024

Easy, accessable and cheap

It's really easy to use and works natively in the app. If I pay it off soon I don't even get charged for the service so I can build a credit record. Another great feature is that it works in the same way that a normal card does. Reviewed on: 19th January 2024

I started Monzo flex last year and it’s been great I...

I started Monzo flex last year and it’s been great I’ve been able to purchase things that I wouldn’t of been able to otherwise I have a £3000 limit and the payment options are very good and now we have the 2 year option it’s made things even easier Reviewed on: 19th January 2024

So easy to flex those larger payments over 3 months,...

So easy to flex those larger payments over 3 months, dentist bills or unexpected home emergencies are now less stressful and easier to manage. Monzo make it seamless. Reviewed on: 19th January 2024

With all the features monzo provides I am always ver...

With all the features monzo provides I am always very aware of my financial situation and confident that everything is organised correctly. Reviewed on: 19th January 2024

Credit without the rates

Monzo Flex allows me to use credit without the danger of interest rates. Reviewed on: 19th January 2024

Great Credit

It has helped me a lot when I have had to pay for big amount of sums. I particularly love the interest free period to clear the sum. Reviewed on: 19th January 2024

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