Write a review

Monzo: Flex Credit Card reviews

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

View other Monzo products

4.96

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

19% 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

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 (2498)

Review of the Monzo, Flex Credit Card:

The added functionality and view of my finances alon...

The added functionality and view of my finances along with PERKS is well worth £7 a month Reviewed on: 14th February 2025

Monzo makes everything easy

Monzo makes everything easy to use and easy to understand, straightforward banking is what people want and Monzo offers that. Reviewed on: 25th April 2025

Monzo I want to work with you!

I’ ve been with monzo for over 7 years now, I just find it so reliable and simple. I moved all of my savings to them as I got a better interest than my other bank. I was given the opportunity to open a flex account a couple of years ago and that boosted my savings by giving me the flexibility to pay in instalments. Monzo its all my chosen card for travelling as they never charged any extra fees. The platform is simple and it works great. MONZO IF YOU ARE HIRING I WOULD LOVE TO WORK WITH YOU! Pd: my friends and family think that I already work for them as I try to get them all to use Monzo. Reviewed on: 24th April 2025

Best Credit Card I Ever Had

The Monzo flex credit card is the best credit card experience I have ever had! The ability to flex purchases individually, and also to decide to flex things after you've already paid is amazing. The 0% interest for 3 months makes this a really useful card for small to medium sized purchases and for building my credit up. I like that you don't need to get a physical card as that's one less piece of plastic! Reviewed on: 22nd April 2025

Great service

It’s simple and just works. Nothing much to add. Reviewed on: 22nd April 2025

Flex Monzo helps me to meet my family abroad

Sometimes I need to visit family in Brazil and flex monzo card helps me a lot as the tickets prices are expensive and my salary is very low. Reviewed on: 22nd April 2025

Is the best

Is the best. Just good experiences. Reviewed on: 22nd April 2025

Best Bank I Have Used

Monzo Flex is one of the best credit cards I have used, if not the best. First of all, the app is very user friendly and easy to manage and all the payments etc wre super fast. Reviewed on: 21st April 2025

Simple and efficient , good communication and easy t...

Simple and efficient , good communication and easy to use . Reviewed on: 20th April 2025

I have used the flex credit card.

I have used the flex credit card. Brilliant concept of offering credit and keeping in control of the payments through the app. Love Monzo breath of fresh air to banking Reviewed on: 20th April 2025

The experience has been great!

The experience has been great! No issues the flex facility helps a lot! Reviewed on: 20th April 2025

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

Credit Card
from Vanquis 4.29 from 529 reviews
Platinum Cashback Credit Card
from American Express 4.43 from 67 reviews
123 Credit Card
from Santander 3.89 from 158 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