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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)

Customer service Improvement needed

Customer service response time needs but overall, it's excellent. Reviewed on: 18th January 2024

It’s a life saver

It helps you to spend when you out of money Reviewed on: 18th January 2024

Monzo makes banking - 0 stress - exciting - manageable

Monzo makes banking very easy from everyday spending too saving too FLEX !! Monzo flex is the BEST “buy now pay later” credit ive ever used! Convenient easy low apr and keeps you uptodate to ensure no payments are missed. Reviewed on: 18th January 2024

A Great Credit Option!

Monzo Flex is a great credit option, allowing the flexibility to split big purchases into 3 interest free is the best feature. It is easy to understand and I would recommend to anyone. Reviewed on: 18th January 2024

Best bank ever.

Banking with monzo has been so easy and rewarding. Reviewed on: 18th January 2024

Monzo is simply the best.

I have had a Monzo account for about three years now and I love it! It has helped me manage my money better and the introduction of Flex and the innovative way it works is so simple and helpful. Flex has helped me buy things without getting into unrealistic debt and everything is just easy to understand. Everything about Monzo is just brilliant. Reviewed on: 18th January 2024

Recent monzo review

Using monzo for about a year now, always been very easy to use and customer service is excellent. Would 10000000% recommend to anybody. First credit card I have had and it is so useful to help with affordability especially in the cost of living crisis Reviewed on: 18th January 2024

Monzo! A bank with an app ahead of the competition!

I’ve been using Monzo since I came into the UK and I have to admin that it’s probably one of the best apps worldwide. It’s extremely easy to find the information you want and helps you budget your goals and organise your expanses. The app is giving you the right information all the time and gives you the chance to tailor what you want to see, when and how. I don’t believe that I will ever switch to another bank. Monzo is way ahead the competition. Reviewed on: 18th January 2024

Flexcellent

So convenient and easy to set up Reviewed on: 18th January 2024

Flex: Great product that’s always improving

I have been with Monzo since very early on and also had early access to flex. As an alternative to a credit card or using my overdraft it is absolutely brilliant and the way they have listened to user feedback and made adjustments to the product has been very refreshing to see as a customer Reviewed on: 18th January 2024

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