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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)

Flex is quick, easy, and clear

I've never seen a credit product that is so upfront and clear. It makes spreading the cost of an item much less stressful and super easy to track. I always know exactly how much I've spent and how much my next payment is which makes it really easy to control spending. Reviewed on: 31st May 2023

Reliable and easy to use

Helps when you're in a pinch and need to make card payments for almost anything thing, as long as you can pay with your card , almost like a credit card but with lower interest Reviewed on: 30th May 2023

The safety net

The interest free payback on Monzo flex is like the biggest safety net when you feel like all is crashing down around you. Monzo is there to catch. Reviewed on: 25th May 2023

Super easy

This is so much better than any credit card, the way it's integrated with the app makes managing money so easy. Reviewed on: 18th May 2023

Having Monzo Flex is a Flex

Cannot convey how easy and fun it is to bank with Monzo! And for a newbie into credit Monzo Flex is the perfect place to start. Being able to go back 2 weeks and choose to repay a purchase? Seriously? No one else flexes this hard! And now you can get a physical card too! Monzo just keeps on giving. I love it so much. Reviewed on: 11th May 2023

Flex is a life saver

Life Saver indeed, indeed it is a life saver Reviewed on: 25th April 2023

Great experience.

I had a fantastic experience with Monzo Flex as it offered me a flexible way to pay for everything free of any interest. It also gave me choices as to how many months I want to pay my purchases in equally divided payments per month. Reviewed on: 13th April 2023

Flex it up

It was so easy to use. I try to stay from interest and when making a large purchase over £1000 I was able to spread this over 6 months with their Christmas offer. It takes tolls worry away knowing I have time to pay this off each month without falling short. Flex has been the best thing introduced Reviewed on: 12th April 2023

Excellent service

It’s very helpful and easy to use for your personal experience and you can pay however you want. You can set your instalment how you wan to pay Reviewed on: 12th April 2023

Great experience

Had a great experience with Monzo Flex. The UI was super easy to use and understand everything I needed to know - props to the designers and devs. It was also super helpful that it functioned like a debit card and not a one time loan. I used it to build a custom PC and I was able to buy all my parts from different vendors. Would recommend. Reviewed on: 12th April 2023

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