Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2496 reviews)

View other Monzo products

4.96

Based on 2,496 reviews, last reviewed 8th May 2025

19% increase 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

There are a lot more people in there and they are go... There are a lot more people in there and they are going on the same page as Reviewed on: 8th 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

Read all reviews Write a review

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.

Review Monzo: Flex Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Credit Card reviews (2496)

Flexawesome!

I love Monzo and their Flex product, as it has allowed me to manage the purchase of items for my new home renovation that I could not have done without it. Not to mention the flexibility of on-the-go adjustments to my payment plans with a product that's extremely simple to understand and without hidden fees. I love Flex and Monzo! Reviewed on: 18th January 2024

Very good excelente working .

Very good. Excelente very attencion Reviewed on: 18th January 2024

Never had a problem with this bank ever and when I h...

Never had a problem with this bank ever and when I had a problem with outer sources Monzo helped and dealt with the situation amazingly Reviewed on: 18th January 2024

All is the perfect I like them.

All is the perfect i like them. Reviewed on: 18th January 2024

Excellent

Good credit card..... Easy repayment. Flexible Reviewed on: 18th January 2024

Just how banking should be

Fantastic app, great customer service, just how banking should be. Always looking forward to the next enhancement from the Labs. Reviewed on: 18th January 2024

Why Monzo is the best.

Monzo are an amazing bank and offer so many great services such as Flex, joint accounts and investing. Flex allows me to spread purchases over multiple years and at a rate which I can select with different interest options, it is tremendously flexible and I love it. Monzo has an amazing app as well that is so easy to use. Reviewed on: 18th January 2024

Since flex opened i have more freedom

Since flex opened i have more freedom at the time of spending money without worrying for tha repayments. Reviewed on: 18th January 2024

I would avoid like the plague

I felt like Monzo felt is a very easy way to fall into debt. Just because it auto puts everything into 3 monthly payments which adds up. I am very good at managing my money but with Monzo flex I felt I was very very close to slipping into debt because I didn’t think ahead about the payments but they add up. And I honestly feel a lot of other people will think this way too and get into debt problems and make Monzo lots of money but hurt a lot of normal people Reviewed on: 18th January 2024

It’s simple and convenient.

It’s simple and convenient. It’s convenient because you can customise what you want to see in the app and also the interest rate for savings is also great compared to other banks. Reviewed on: 18th January 2024

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Balance Plus
from Capital One 3.38 from 3 reviews
Opus Credit Card
from NewDay 5.00 from 3 reviews
Freedom Rewards Credit Card
from Barclaycard 3.93 from 60 reviews

There's still more to see!

Monzo has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub