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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)

Excellent way to spread out payments whilst managing...

Excellent way to spread out payments whilst managing the need to pay back Reviewed on: 19th January 2024

It’s a super convenient service and with lots of app...

It’s a super convenient service and with lots of app features it makes money management easy Reviewed on: 19th January 2024

Monzo flex made my life easier.

Monzo flex made my life easier. It gave me the option to pay my expenses in 3, 6 and 12 months .Convenient as well, no need to worry if they are in partnership with a certain shop as it can be used anywhere. It can be used online or at any physical store. Reviewed on: 19th January 2024

Great app based design, everything completed within...

Great app based design, everything completed within the app Reviewed on: 19th January 2024

Amazing features of changing any transition in the a...

Amazing features of changing any transition in the app to flex it Reviewed on: 19th January 2024

Experirnce was excellent.

Experirnce was excellent.will reffer to friends and family.its very helpfull and resonable.feeling so happy Reviewed on: 19th January 2024

Great credit option

Love the flexibility with the amount of options for credit 10/10 best card I have ever had! Reviewed on: 19th January 2024

A very unique credit card!

Flex has really help me manage my cash flow: really clear interest free options, and I like that you can clearly see what you have paid off or not. You use it like a normal card, but then you select in the app how quickly you want to pay it back. Reviewed on: 19th January 2024

Experience

Monzo has made transaction since I arrived in the UK easy and simple for me Reviewed on: 19th January 2024

I use Monzo flex and I am very happy.

I am very happy with Monzo flex. I used flex and I’m happy, so should you. Reviewed on: 19th January 2024

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