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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 enjoy how easy to use flex is!!!!

I enjoy how easy to use flex is. Adding it to Apple Pay has been very helpful and it is easy to access. Reviewed on: 18th January 2024

So much better than your standard credit card!

Super easy to use on the app. It has really helped with larger payments like holidays etc but also keeps me in check by setting up the payment system. Reviewed on: 18th January 2024

Excellent product and bank.

Excellent product and bank. Highly recommended and enjoy using Reviewed on: 18th January 2024

EASY TO NAVIGATE/UNDERSTAND

It's been amazing Reviewed on: 18th January 2024

It's so easy

Everything is completely transparent, it's so easy to manage. I've never seen this with other banks. Reviewed on: 18th January 2024

Flex is easy to manage, and saves me money by allowi...

Flex is easy to manage, and saves me money by allowing to easily alter payments. Reviewed on: 18th January 2024

It’s simple and easy to use.

It’s simple and easy to use. Gives me the ability to make my money go further and spread out my purchases Reviewed on: 18th January 2024

Very easy to use

The flex product is very easy to use. Very much like the ability to flex individual expense/transaction. I use the card every time I travel and especially when making big purchases. Reviewed on: 18th January 2024

Flexible and friendly

I always get an answer the same day when I contact Monzo. Monzo flex allows me to spread costs over time at an affordable rate that I can manage myself. Reviewed on: 18th January 2024

Monzo flex is a game changer.

Monzo flex is a game changer. It helps me manage cash flow responsibly and is super straight forward to use. They keep adding new features that also improve it. Well done Monzo Reviewed on: 18th January 2024

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