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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2506 reviews)

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4.96

Based on 2,506 reviews, last reviewed 17th Jun 2025

72% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

4

.Easy access to credit - a little too easy Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over t... Read more Reviewed on: 17th June 2025

Latest lowest rating:

1

The most Useless CC I am trying to use Monzo flex credit card and where ever I've tried to use it and that's multiple places it doesn't allow me to use it. It's the most ... Read more Reviewed on: 4th June 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 (2506)

Best credit card available

Flex is an excellent way to manage credit purchases, being able to choose different payment options for different purchases gives me much great freedom and flexibility to manage my finances Reviewed on: 18th January 2024

Never a problem with Monzo...

Never a problem with Monzo,account is a good one and flex is a nice compliment. Reviewed on: 18th January 2024

Excellent service and really good banking service

Excellent service and really good banking service Reviewed on: 18th January 2024

Best provider on the market

I was an early adopter of Monzo flex and the whole process was super easy to apply, use and start spending with Reviewed on: 18th January 2024

monzo has been very easy to use within the app on th...

monzo has been very easy to use within the app on the flex. easy options on how to spread the cost or just pay in full. you can make additional payments with ease Reviewed on: 18th January 2024

Monzo Flex's credit card facility offers a user-frie...

Monzo Flex's credit card facility offers a user-friendly platform, providing good value for money. The standout feature is the absence of interest when opting for a Short payment schedule. The excellent customer service adds to the overall positive experience, making it a solid choice for those seeking convenience and transparency. Reviewed on: 18th January 2024

Monzo is the best bank I have ever used.

Monzo is the best bank I have ever used. They’ve helped me save 100s of pounds with their app and how clear it is to see what money you can spend. Reviewed on: 18th January 2024

Flexible, user-friendly and clear credit.

Excellent options including Interest free option to help spread costs. Easy to manage payments, interest fees, payment breakdowns and payment projections. Versatile to payment methods Inc cards, Google pay, etc Reviewed on: 18th January 2024

Great for budgeting

Monzo flex has been amazing - I like being able to see how much I need to pay in the upcoming months and this really helps me control my spending. Reviewed on: 18th January 2024

El mejor banco

Sin duda alguna un banco que resuelve por completo es excelente Reviewed on: 18th January 2024

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