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Monzo: Flex Credit Card reviews

View other Monzo products
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
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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
Lauren B's avatar
Lauren B

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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JN
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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)

Monzo app is very interactive, easy to use and allow...

5
Monzo app is very interactive, easy to use and allows for responsible lending. Reviewed on: 19th January 2024
Ms B's avatar
Ms B

Monzo flex has changed the way I use a credit card

5
Monzo flex has changed the way I view using a “credit card”. It has allowed me better control of my finances as well as repayments and gives me better accountability as to whether I need to use the card as I can instantly work out how much it will cost me to repay the transaction where as with traditional credit cards, the transaction gets added to my balance and there is no definitive time that I need to repay that transaction by which can lead to spiralling balances based on just paying minimum payment each month. It has completely changed the way I utilise credit. Reviewed on: 19th January 2024
BW17's avatar
BW17

Easy to use, safe to manage!

5
So easy to use flex, multiple payment options and makes it easier to manage than a credit card! Reviewed on: 19th January 2024
William H's avatar
William H

Great banking app

5
Easy to use. Great money management tools. Loans are easy to manage. Reviewed on: 19th January 2024
Mariam S's avatar
Mariam S

Flexibility at your fingertips

5
Flex is a great option to defer payment without paying any interest. The app makes it very easy to change dates, amend amounts or pay off entirely. Great product! Reviewed on: 19th January 2024
David Panchal's avatar
David Panchal

Flex is the most vanguardist way of managing my mone...

5
Flex is the most vanguardist way of managing my money easy, fast and valuable Reviewed on: 19th January 2024
Mm's avatar
Mm

Best Cuirent Account and MONZO Flex is unique!

5
Best account for current account holders and MONZO flex is unique for credit card! Reviewed on: 19th January 2024
OO's avatar
OO

Fleeeeexible

5
I really love Flex. I was able to purchase high value items and pay for it later. Reviewed on: 19th January 2024
Miriana L's avatar
Miriana L

Monzo has transformed the way I manage by finances

5
Monzo has transformed the way I manage by finances. Flex is an excellent product - the interface is very easy to use and the repayment options are very flexible. Reviewed on: 19th January 2024
Mike C's avatar
Mike C

It’s a good bank and app too - I’ve never had any is...

5
It’s a good bank and app too - I’ve never had any issues with the app and they’re very flexible Reviewed on: 19th January 2024
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Bradley S

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