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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2498 reviews)

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4.96

Based on 2,498 reviews, last reviewed 26th May 2025

28% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Monzo flex is very easy to use, I like the flexibili.. Monzo flex is very easy to use, I like the flexibility of the payment plan options whether you want to pay off earlier or extend the fees and interest... Read more Reviewed on: 26th May 2025

Latest lowest rating:

1

Monzo. The most devious, incompetent bank in the UK. Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud pol... Read more Reviewed on: 4th March 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 (2498)

Review of the Monzo, Flex Credit Card:

Flex is Game Changer

Flex is the best credit card out there. Now they allow you to order a physical card which was previously not allowed. Given my not so good credit history yet they offered me £6000 credit limit where as Barclaycard offered me £1000. Now I am using it on a daily basis and three month buffer period without interest works put perfect on a day to day basis Reviewed on: 31st May 2023

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

Credit card designed for transparency

Easier credit cart issue in a few seconds. Great design that makes it very transparent in payments and interest charged. Reviewed on: 25th March 2025

Product is Good

Product is Good, need to train staff more Reviewed on: 24th March 2025

There offer good low interests rates ...

There offer good low interests rates real competitive and also easy to to use . Good customer service team, the customer service team is always helpful and responsive. They have solved any issues I had quickly and efficiently.Also the mobile app is so convenient. I can check my balance, make payment and check my interests all in one place. P Reviewed on: 24th March 2025

Lovely bank

Been for a while with them never missed a bit Reviewed on: 24th March 2025

All in one place and perks and benefits are very...

All in one place and perks and benefits are very useful Reviewed on: 23rd March 2025

Going well

Going well , good service.Nice interface.Easy to use app Reviewed on: 23rd March 2025

Easy to use card, good updates via the app and simpl...

Easy to use card, good updates via the app and simple display so you understand what you have spent. Reviewed on: 23rd March 2025

Best Credit Card

It has Flexible Repayment Options. You can split purchases into 3, 6, or 12 monthly installments. Payments over 3 months are interest-free, while longer terms incur a 29% APR. Credit Building: Using Monzo Flex responsibly, by making timely payments and staying within your credit limit, can help improve your credit score over time. No Foreign Transaction Fees: Monzo Flex allows fee-free spending abroad, using Mastercard’s exchange rate without additional charges. User-Friendly App Integration: The Monzo app provides instant notifications, real-time balance updates, and the ability to manage your card settings, enhancing your control over spending. Reviewed on: 23rd March 2025

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