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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

74% 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.

Monzo Flex Credit Card reviews (2506)

Review of the Monzo, Flex Credit Card:

Best online banking

Best online banking and easy to use mobile app. Reviewed on: 3rd March 2023

Amazing!

Amazing! Best bank ever! 0% interest for 3 months! Thanks Reviewed on: 27th March 2025

Flex is one of the best credit cards I’ve ever had,...

Flex is one of the best credit cards I’ve ever had, Monzo really do provide banking services for the people, rather than focussing on being a corporate money grubbing bank. Their flex is card is flexible, easy to use, provides many different options and ways to make it work for you and your budgeting. Reviewed on: 27th March 2025

Monzo Flex has been a game changer!

Monzo Flex has been a game changer! Super easy to apply for, even if you’re new to the UK. I also love how smooth it is to use while travelling abroad—no hidden fees and everything stays in the app. So convenient! Reviewed on: 27th March 2025

Easy to use

User friendly, monzo provide me instructions that are easy to understand. Reviewed on: 27th March 2025

Unparalleled forex fee free structure!

I totally love the monzo flex credit card’s zero fee forex feature. It is so useful abroad. And also like the fact that you can decide your payoff payment date. The flexibility is unparalleled. I also like that they let you check your credit score in the app! It is utterly convenient! Reviewed on: 27th March 2025

Long time customer

Been with Monzo for a few years now and have had nothing but positive experiences Reviewed on: 26th March 2025

Excellent on line banking service

Excellent on line banking service Reviewed on: 26th March 2025

The app is easy to use!

The app is easy to use! The products like Monzo flex are amazing. Reviewed on: 26th March 2025

First credit card

This is my first dabble with credit, and it has been very positive. I like that you can flex a payment after it has been made, which gives me great flexibility. I like that you can set the payment amounts and pay early if necessary. Reviewed on: 25th March 2025

The best

Fabulous always there when, needed, great,payment options, choose your,own,no pressure, date you pay back. Love this credit card. Nice to know you have that extra when needed. Life's emergencies do crop,up nice to know monzo, got my back.brill. Reviewed on: 25th March 2025

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