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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2451 reviews)

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4.96

Based on 2,451 reviews, last reviewed 13th Apr 2025

64100% 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

Been with Monzo since I was in school, still love it... Been with Monzo since I was in school, still love it just as much today Reviewed on: 13th April 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

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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.

Monzo Flex Credit Card reviews (2451)

Review of the Monzo, Flex Credit Card:

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 policy are pitiful, and they have no interest in resolving issues. I was a loyal customer for 4 years. I had a paid current account and monzo flex credit card. I got defrauded on the card. Dealing with Monzo was excruciating. You cannot phone them, only chat on their app and they don't do real-time. There are one, two, four hour gaps in communication. You could be talking to someone, then they log off, and you have to start with someone new. I have never experienced such poor service from a bank in this regard. After a full week of wretched support, chat conversations over 12 hour days and following all their recommendations to reinstall app and reset account, I got stung with an apple pay set-up request and defrauded by £1800. Another week, and Monzo's response was that i was the only person who could have authorised the payment, so they would not refund the fraud. I then got a message on the app saying they were closing my account, and they expected payments to me made on the amount defrauded. I reported Monzo to the financial ombudsman, who found in my favour and I got the money back with a small amount of compensation that was not worth it for the amount of time I spent dealing with the issue. The victim support team told me that they see loads of the same type of issue with Monzo and their social media is full of posts from people who experienced the same appalling treatment I did, normally over fraud transactions that Monzo refuse to recognise. I would never use or recommend Monzo the pretend bank. They are the worst organisation I have ever dealt with, period. Avoid like the plague. If you have any issues at all, Monzo will throw you under the bus. Reviewed on: 4th March 2025

Amazing!

Although the credit card is great, they could increase the limit for people so they can use it freely overseas. Reviewed on: 12th April 2025

Number one bank in united kingdom

Number one bank in united kingdom Reviewed on: 12th April 2025

Monzo is easy to use, understand and the app is amaz...

Monzo is easy to use, understand and the app is amazing. Reviewed on: 12th April 2025

I like the fact that with a click of a button you ca...

I like the fact that with a click of a button you can make larger transactions interest free for 3 months being able to keep some of the money in savings a little longer and it's very clear on the app how much and when you pay it Reviewed on: 12th April 2025

Monzo look at you as a person not just a statistic!

Monzo look at you as a person not just a statistic! Their products and services continue to inprove Reviewed on: 11th April 2025

I think that being able to have 3 months 0% interest...

I think that being able to have 3 months 0% interest is fantastic Reviewed on: 11th April 2025

perfect aid to your indulgence while being responsible

The Monzo flex is the perfect tool that allows you to explore your indulgences while being financially responsible. I love the flexibility it gives me to split my payments not just in the initial phase but also a couple of months later which allows me to plan my finances. Reviewed on: 11th April 2025

Brilliant Product!

Monzo Flex is a very straightforward product to use; very simple to set up and to use using the Monzo app. Fantastic flexibilty in using it online or with the physical card instore. Even further flexibility in being able to tailor repayment dates and amounts, or even pay early - and by far the biggest bonus, is being able to transfer an ordinary card purchase retrospectively onto Flex. Reviewed on: 11th April 2025

Amazing bank and amazing service

Amazing bank and amazing service Reviewed on: 11th April 2025

Very good

I'm very happy for the monzo Flex credit card Reviewed on: 11th April 2025

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