Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (1797 reviews)

View other Monzo products | Find out more about this product

4.95

Based on 1,797 reviews, last reviewed 13th Jan 2025

86% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Simply Amazing I have been using Monzo for 2 years, and it's simply amazing. From every day use, to credit card, to savings or investments, it covers everything with... Read more Reviewed on: 13th January 2025

Latest lowest rating:

1

They keep raising interest rates. They keep raising interest rates. Reviewed on: 17th April 2024

Read all reviews See your 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.

Monzo Flex Credit Card reviews (1797)

Review of the Monzo, Flex Credit Card:

Monzo Flex etra liney holidays

Monzo Flex helped me in the worst situations during the holidays, saved my life so many times, I just love it and recommended to all my friends Reviewed on: 1st June 2024

I love my Monzo flex, easy payments and very flexibl...

I love my Monzo flex, easy payments and very flexible, can choose how long you want to pay back and can always pay more and edit the frequency. Monzo in general have good service Reviewed on: 14th June 2024

I'm using Flex quite often, it's better than credit...

I'm using Flex quite often, it's better than credit cards and if you choose to use only 3 installments, you don't pay any interest. It helped me incredibly during a stressful time when I was moving apartments and went from furnished to unfurnished. Thanks to Monzo Flex I was able to buy everything I needed without taking a loan and paying a lot of interests! Reviewed on: 5th June 2024

Best service ever all rounds, next step is the mort...

Best service ever all rounds, next step is the mortgage please work on that. Reviewed on: 2nd June 2024

Have never had a service be so freeing about interes...

Have never had a service be so freeing about interest free credit Reviewed on: 31st May 2024

Monzo Flex helps me be in control of my spending

MONZO help me to manage my spending very well and enable me to be able to spread the cost of items with their flex card to fit my current needs - the ability to choose how many instalments to pay off each purchase is super handy! Reviewed on: 30th May 2024

Monzo flex is incredible

Monzo flex is so easy to use. It's loads better than any other credit card as all of the terms are laid out right there, and you can change them super easily. They make other credit cards look outdated! I've used it for a wedding, house renovation and a little bit of a holiday, and not once missed a payment or felt "in debt" - just an easy way of managing big spends. Reviewed on: 29th May 2024

Great app, user friendly and flexible.

Flex is such a great idea giving you a physical card In the form of flexible repayments. It’s clear and very user friendly. Reviewed on: 28th May 2024

User friendly.

User friendly. Easily laid out, I like the option to split in 3 payments interest free. Good app. Reviewed on: 28th May 2024

I've loved using Monzo Flex

I've loved using Monzo flex as I can easily pay it off at any time or split any payment into 3 interest free payments to make it more manageable if I need more money immediately. It's by far the best banking app. Reviewed on: 27th May 2024

Monzo's Flex has changed the way I approach credit

The flex credit card is such a good idea - one of those things where you wonder how no one has implemented something like this before. That is Monzo's gift - using Flex is so uncomplicated whereas I'm sure it presents a real challenge to build and deliver. Reviewed on: 24th May 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

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