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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2496 reviews)

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4.96

Based on 2,496 reviews, last reviewed 8th May 2025

4% increase 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

There are a lot more people in there and they are go... There are a lot more people in there and they are going on the same page as Reviewed on: 8th 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

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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 (2496)

Flex is so easy to use

Flex is an easy way to split your payments over several months with no interest, whilst remaining flexible for early repayments Reviewed on: 18th January 2024

Monzo have helped me so much with my finances.

Monzo have helped me so much with my finances. Knowing exactly what my Flex payments go towards is amazing and being able to chose from 3-24 months to pay something back make everything so much more affordable. The best bank ever! I actually enjoy engaging with my bank! Who knew! they respond quickly to problems (if you ever have any), they let you know when you fall into your overdraft and when future payments come up. I have my personal, joint and business account with Monzo and I won’t ever change. Reviewed on: 18th January 2024

I love everything about Monzo!

I love everything about Monzo! Everything is easy and just works! That’s it! Reviewed on: 18th January 2024

Been a great experience.

Been a great experience. Love that they listen to feedback and make improvements based on feedback. Fantastic flexibility on spending, you can change your mind and add something to flex after you've paid initially and you can change when you pay (spreading it over several months if you need to, a few months interest free). Not a drawback necessarily but a great feature to have would be to make uneven payments (ie, auto set to pay more back one month and less back another month rather than the same amount each month). Still leagues ahead of any other credit card I've come across. Cashback feature is also great and does bring it in line with more traditional credit cards that have 'rewards'. Reviewed on: 18th January 2024

Saving pots

Monzo is great at helping creating pots to save Reviewed on: 18th January 2024

Great starter card

Monzo flex is my first credit card and I love how easy it is to use! Being able to see the card stacked along with my current account has helped a lot. I wish there was a way to set a “utilisation limit” where Monzo notifies you once you get to a certain percentage. Reviewed on: 18th January 2024

Monzo are the best bank around!!

They have helped me save so much money and have been able to budget! I have been using them since 2016 and I can honestly not recommend them enough. Their flex services are so much better than your normal credit card! You can choose 3 months interest free and others to be paid back over a longer period of time with the interest showed to you up front so you can actually budget this into your plan. I love how easy Monzo is to use and honestly just cannot say enough how much of a life saver they have been to me! Reviewed on: 18th January 2024

FLEXibility

From the word itself, “flex”, it gives me flexibility. Reviewed on: 18th January 2024

Excellent

Could the credit limit be increased regularly ? Mine stuck at same limit since monzo flex was launched. As I prefer using monzo flex as main credit card my usage is going above 50% affecting my credit score. Reviewed on: 18th January 2024

Amazing Bank!

I have been using Monzo for all my banking transactions ever since I moved to the United Kingdom in January 2022. It is very easy and seamless to use with no hassles, their customer care team is top notch, they help me save monthly through their "Pots" which I think is such a great idea and even more exciting they gave me a credit line which gives me the flexibility to carry out transactions and spread them over a period of time with minimal interest fees. Reviewed on: 18th January 2024

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