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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

96% 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)

great improvement

they continue to make positive improvements to make the monzo flex service easy to use, and also easy to pay back. There are no hidden costs or anything like that so you know what you are getting when you use it. Reviewed on: 19th January 2024

Very bad product, never use it.

Very bad product, never use it. loan product is bad too gave me loan once and now when i closed that loan they aren’t giving me again. Reviewed on: 19th January 2024

Great app, very easy to use.

Great app, very easy to use. Support is really easy to access and the messaging system is a real time saver Reviewed on: 19th January 2024

I find Monzo flex so easy to use, It has helped me i...

I find Monzo flex so easy to use, It has helped me in so many situations and is also so easy and clear what you need to pay off Reviewed on: 19th January 2024

Great service

Great products and modern solutions Reviewed on: 19th January 2024

Monzo is so easy to use!

I’ve been using Monzo for around 6 months now and love the flexibility it gives me opening up different saving pots to ease budgeting. I then started using flex recently and it has been the first credit card I’ve been accepted for and love how easy it is to not only use but pay off early and allow me to build my credit score. I have recommended both Monzo and Monzo flex to friends and family, there is nothing I don’t love about it. Reviewed on: 19th January 2024

Monzo flex best credit card out there.

Monzo flex best credit card out there. Fantastic customer service and excellent payment terms and tools. Reviewed on: 19th January 2024

The best!

I’ve been with Monzo since they opened, when they where Mondo, and they have been the best bank ever, and since bringing out flex that’s helped me a lot! 3 months no interest! Reviewed on: 19th January 2024

Monzo make managing credit easy and flexible

Monzo make managing credit easy and flexible, fantastic service for when you need credit in difficult times Reviewed on: 19th January 2024

So intuitive and easy to use.

So intuitive and easy to use. Does what it says on the tin, it’s a flexible way to manage your short term borrowing needs Reviewed on: 19th January 2024

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