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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)

I find the Monzo flex card so simple to use.

I find the Monzo flex card so simple to use that I hardly use other providers anymore. It can managed through the app so simply, and compared to my other bank and credit cards, it makes me feel totally in control of my money, and how much interest (if any) I am prepared to pay. Excellent Reviewed on: 18th January 2024

I love to use the app.

I love to use the app. Good banking Reviewed on: 18th January 2024

Excellent service and options for flex.

Excellent service and options for flex. Reviewed on: 18th January 2024

Really helps me budget

Because it’s digital it really helps me manage my money better and also helps me budget and save Reviewed on: 18th January 2024

I love us Monzo and the app.

I love us Monzo and the app. Everything is really easily accessible Reviewed on: 18th January 2024

Money freedom achievement

It gives me more money freedom as I have option to split with no interest and i can get more for my money. The app that shows flex is so intuitive and it is just amazing Reviewed on: 18th January 2024

Best bank I've ever had, Monzo revolutionised app ba...

Best bank I've ever had, Monzo revolutionised app based banking and blows away the competition entirely. There are so many awesome features, business accounts, pots, investments, joint accounts, savings pots, virtual cards. Reviewed on: 18th January 2024

Very easy to use

Very easy to use and a great idea to spread payments interest free. Reviewed on: 18th January 2024

The credit card application was smooth and easy.

The credit card application was smooth and easy. They allow to repay in 3 months installments which helps a lot. Reviewed on: 18th January 2024

I tried Monzo out of curiosity and I love them would...

I tried Monzo out of curiosity and I love them would never change Reviewed on: 18th January 2024

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