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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

75% 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)

Love Monzo, so helpful and clear!

Monzo is so much easier to use than other banking apps, direct debits show up before they come out, easy budget setting, early payments etc etc, I really enjoy using their products! Monzo Flex is my favourite as it allows you to keep control over your money, spread out big payments, and control how you repay them. I’m a big fan! Reviewed on: 1st June 2023

Fantastic!

Moving to Monzo was one of the best decisions I've ever made. Their app is incredibly simple and the Flex function is a lifesaver. Reviewed on: 1st June 2023

Easy, breezy banking

Monzo in general is so easy to use, but their flex option is the least complicated credit option. I’ve had a lot of credit cards in the past, all have heaps of T&C’s as long as your arm. Monzo have simplified it, you select what you want to ‘flex’, how long you’d like to spread the payments over and it clearly displays either 0%, x% and so on; so you know exactly what you’re repaying, when and you can even change your repayment amounts. Literally life changing. Yay for monzo Reviewed on: 31st May 2023

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

Monzo Flex is a great credit tool

I like Monzo Flex because it is simple and accesible. I like all the features that help me stay in control of paying back my credit usage. Reviewed on: 31st May 2023

Monzo Flex is the best thing to happen to personal banking

Since Monzo Flex launched it has become something I use very regularly, an essential. Being built into my banking app, it just works seamlessly however I choose to pay. With the expansion into physical cards, I'm looking forward to using it even more. The option to spread slightly larger or unexpected payments interest free over a few months is revolutionary, and the way Monzo do it responsibly is fantastic. Reviewed on: 31st May 2023

Monzo Flex is a great new feature!

I use Monzo as my current account and really like it. The “flex” feature is incredibly useful for pricier purchases and managing my monthly budget! Very happy customer! Reviewed on: 31st May 2023

Finances made simple

Flex is the easiest thing to use, it’s like a credit card in my current account which is so easy to manage, as well as the option of interest free payments for 3 months which is so handy for some slightly bigger purchases that you need, that you want paid off quickly! Reviewed on: 31st May 2023

Money freedom

Flex is a game changer, with 0% and making those monthly costs more manageable Reviewed on: 31st May 2023

Fantastic

Gives so much flexibility (the clue is in the name!!) It's like Klarna but for anything you choose - it even provide different payment plans. Such a fantastic product Reviewed on: 31st May 2023

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