Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2498 reviews)

View other Monzo products

4.96

Based on 2,498 reviews, last reviewed 26th May 2025

19% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Monzo flex is very easy to use, I like the flexibili.. Monzo flex is very easy to use, I like the flexibility of the payment plan options whether you want to pay off earlier or extend the fees and interest... Read more Reviewed on: 26th May 2025

Latest lowest rating:

1

Monzo. The most devious, incompetent bank in the UK. Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud pol... Read more Reviewed on: 4th March 2025

Read all reviews See your review

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 (2498)

Review of the Monzo, Flex Credit Card:

Flex is Game Changer

Flex is the best credit card out there. Now they allow you to order a physical card which was previously not allowed. Given my not so good credit history yet they offered me £6000 credit limit where as Barclaycard offered me £1000. Now I am using it on a daily basis and three month buffer period without interest works put perfect on a day to day basis Reviewed on: 31st May 2023

The flex credit card is a revolution

The flex credit card is a revolution. I can never go back to a normal credit card now. The integration with my current account, ability to move a transaction from my debit to credit card and then choose to pay it back over 3 months interest free is game changing. Reviewed on: 29th March 2025

Easy & Flexible

Everything’s just so easy! 3 months interest free is a lifesaver Reviewed on: 28th March 2025

Amazing service and product.

Amazing service and product. Easy to use app, tracking your spending and keeping your account safe. Reviewed on: 28th March 2025

Monzo Flex Credit Card is the Best: Excellent

I've used 3 different monzo accounts including Monzo Flex for almost 3 years now, and they've never failed my once. Monzo is just the best, and I love it. Reviewed on: 28th March 2025

Live laugh love flex.

Live laugh love flex. I love flex, flex is goooood for me. Reviewed on: 28th March 2025

I like that it is online real-time.

I like that it is online real-time. Reviewed on: 28th March 2025

Handy way to spread the cost

Monzo Flex is a convenient way to break down payments without the hassle of a credit card. The interest-free three-month option is great, and managing it through the Monzo app is easy. Reviewed on: 28th March 2025

5 star services

Very pleasant and easy to access services Reviewed on: 27th March 2025

Fantastic service

Fantastic bank i love it easy to use Reviewed on: 27th March 2025

Flex has been great, and i have used it for many pur...

Flex has been great, and i have used it for many purchases. I love the fact that you can make extra payments as well as the flexibility of extending your payment plan. The 3 months interest free payments has allowed me to split purchases into manageable payments which has funded a lot of things! Reviewed on: 27th March 2025

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Platinum Credit Card
from Barclaycard 3.86 from 307 reviews
Bip Credit Card
from NewDay 4.91 from 2284 reviews
Classic Extra Card
from Capital One 3.72 from 6 reviews

There's still more to see!

Monzo has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub