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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (1798 reviews)

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4.95

Based on 1,798 reviews, last reviewed 26th Jan 2025

71% 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

Great product, fair and clear, easy to understand cr... Great product, fair and clear, easy to understand credit and interest Reviewed on: 26th January 2025

Latest lowest rating:

1

They keep raising interest rates. They keep raising interest rates. Reviewed on: 17th April 2024

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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.

Monzo Flex Credit Card reviews (1798)

Review of the Monzo, Flex Credit Card:

Flex is the best BNPL

Flex is the best BNPL it is the most responsible BNPL out there Reviewed on: 15th February 2023

Flex it!

At first I didn't really understand what Flex was and I work in fintech! My mates tried to explain it to me, but what confused me was it sounded like a credit card, but also like some sort of mini loan warehouse line at the same time. If you want to use it as a credit card then that's cool, it's always interest free as long as you pay it off quickly. So no more opening a new credit card each time your deal runs out. But what I find really cool is you can essential move a past debit purchase onto your credit card too (aka; flex it!). I've never seen anyone other app with this feature before. How many times do you pay with the wrong card because you're in a rush and you can feel eyeballs on you from the 17 people in the queue behind you? No more ah ffs I was I put that on my credit card, because I've got some bill coming out in a few days and I've got to move money around, then remember to clean it all up later. Just flex it! Reviewed on: 3rd April 2024

Takes the fear out of using credit

Monzo Flex allows me to pick and choose how much I pay back, when, and with what level of interest. It makes using credit a controllable and non-scary process. Reviewed on: 3rd April 2024

For me, Flex replaced Klarna for purchasing big gift...

For me, Flex replaced Klarna for purchasing big gifts and credit cards for trips. It's so easy and convenient, and I feel much more in control of it having access direct from the bank app, then using a third party app or card. Reviewed on: 3rd April 2024

Amazing people and amazing service.

Amazing people and amazing service. Flex interest free is amazing and would recommend to anyone who doesn't want to involve themselves with interest. Reviewed on: 3rd April 2024

Categorisation Guru

My alarm goes off, and I check my phone. I open the Monzo app to see my account balance. Last night I went out with friends, so I quickly scan my transactions to make sure everything looks good. Monzo categorized everything clearly, separating food and drinks from the cab fare home. Feeling relieved, I head out the door knowing exactly how much I spent. Reviewed on: 3rd April 2024

Easy to understand products, easy app and notificati...

Easy to understand products, easy app and notifications are instant Reviewed on: 3rd April 2024

The Monzo Flex is amazing, it helps me budget whilst...

The Monzo Flex is amazing, it helps me budget whilst being flexible Reviewed on: 3rd April 2024

So different from other credit cards.

So different from other credit cards. Very flexible and clear, you can make changes at any point and have full control Reviewed on: 3rd April 2024

Very clear about terms and conditions.

Very clear about terms and conditions. It's important for a credit card provider to be open and upfront about the terms rather than hide things in long legal contracts. With Monzo I always feel I understand everything Reviewed on: 3rd April 2024

Monzo Flex is the most useful credit card

Monzo Flex is the most useful and affordable credit card I have and I use it very regularly and seamlessly alongside an excellent Monzo current account. Reviewed on: 3rd April 2024

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