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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)

Excellent services!

Excellent services and very helpful Reviewed on: 18th January 2024

Monzo Flex is good I recommend to everyone

Monzo Flex is good I recommend to everyone Reviewed on: 18th January 2024

I am very happy with Monzo, they helped me providing...

I am very happy with Monzo, they helped me providing flexibility and Investment, pots. Especially the user interface its very easy. Reviewed on: 18th January 2024

It was very easy to get Monzo Flex and I'm enjoying...

It was very easy to get Monzo Flex and I'm enjoying using it. When getting it newly I was provided with sufficient credit limit. Reviewed on: 18th January 2024

Monzo is class.

Monzo is class. Leading the way and revolutionising the way banking is done. Modernising an old fashioned industry. Making money decisions more interested into my daily life and helping me be financial secure. Reviewed on: 18th January 2024

Easy to use and edit installment plans

Easy to use and edit installment plans Reviewed on: 18th January 2024

Fantastic facility with great flexibility

Been using this for over a year now and having the flexibility to decide the length of repayment and getting an interest free period is just ground breaking as a facility to offer consumers. Reviewed on: 18th January 2024

Simple and easy to use

Pretty good, I like how it's integrated into the app. The only thing I wish is that you could set the default option to be the longest repayment term without interest. Currently it just defaults to the longest one (but with interest), and you have to manually adjust it. Reviewed on: 18th January 2024

It is very good

It is very good at what I use it for it allows me to make better financial decision and get a better deal when trying to buy things online and spread the cost of large and small purchases over a period of time Reviewed on: 18th January 2024

This is how personal borrowing should be.

This is how personal borrowing should be. Technology-led and customer-focused. The ease of use and clarity of vital information makes it far easier to borrow responsibly and stay in control of my finances. I love the visual nature of the app, which shows me exactly what I need to know about the terms of borrowing, and the structure of repayments. It's a great feeling seeing the progress bar fill-up on a Flex purchase, knowing that it's about to be paid back in full. Interest charges are fair and more clearly displayed than in any other borrowing agreement I've seen. Top marks from me. Thanks Monzo. Reviewed on: 18th January 2024

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