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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2511 reviews)

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4.95

Based on 2,511 reviews, last reviewed 24th Jul 2025

97% decrease in 5 star reviews

in the past 90 days

No new 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:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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 (2511)

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

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

Monox plus and Monzo Flex have really helped me orga...

Monox plus and Monzo Flex have really helped me organize my financial life and keep track of spending across banks. Reviewed on: 19th January 2024

Simple to use

When we could get a joint account with Main Street banks Monzo helped. It was easy to sign up and easy to get started. The savings pots are excellent! Reviewed on: 19th January 2024

Easy to use app, very well presented and simple to u...

Easy to use app, very well presented and simple to understand the credit agreement. Reviewed on: 19th January 2024

Using Monzo abroad

Using Monzo abroad Monzo is the best converts currency straight away Reviewed on: 19th January 2024

Monzo are extremely flexible.

Monzo are extremely flexible. Helps when you have to make a large purchase you can budget for it better. Great interest rates and it’s great that you can pay off more against and individual item! Reviewed on: 19th January 2024

Used in Thailand .

Used in Thailand . Very good. Fast and also no apparent charges. Reviewed on: 19th January 2024

Monzo Flex have a really unique approach to credit c...

Monzo Flex have a really unique approach to credit card. There very clearly let you know how much you gonna pay upfront for every transaction and theirs repayment plans are really helping people like to to get a grasp on their finances. Reviewed on: 19th January 2024

Im really pleased with the Flex card it’s brilliant.

Im really pleased with the Flex card it’s brilliant. I’ve just been on holiday and I’m now moving house (furniture) and the car really has provided the flexibility needed to make purchases and pay later, during these really busy months. Reviewed on: 19th January 2024

I’ve had Monzo for years and absolutely love it.

I’ve had Monzo for years and absolutely love it. So easy to do everything I know where all my money is, Monzo makes me it a bit fun too where you can create different pots for your money and also use Monzo flex! Reviewed on: 19th January 2024

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