Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2437 reviews)

View other Monzo products

4.96

Based on 2,437 reviews, last reviewed 11th Apr 2025

62800% 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

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

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 (2437)

Review of the Monzo, Flex Credit Card:

Monzo is providing good service and friendly app

Monzo is providing good service and user friendly good customer support Reviewed on: 30th March 2025

Great system and process.

Great system and process. Easy to do Reviewed on: 10th April 2025

Easy account setup, credit card delivery , balance m...

Easy account setup, credit card delivery , balance management and flexibility above par. Reviewed on: 10th April 2025

Great flexibility, offers and current account transfers

Great flexibility, credit offer and ability to transfer to a Monzo current account. Every time I use my flex account I know exactly how I am going to pay it back, and when. Reviewed on: 10th April 2025

I have been a loyal customer to Monzo for about 7 ye...

I have been a loyal customer to Monzo for about 7 years now. The credit card is amazing, with the pay in 3 option. It is so easy to understand your credit usage, shows you payments made on time, what you can improve on. I particularly enjoy the feature that shows how much interest you save when you pay off your card early, or the breakdown of interest when you choose to spread a payment beyond 3 months. The limit has always been reasonable and proper lending and they have prompted me to increase if I chose to. Hand on heart would recommend monzo MILES before any other bank for a credit card. Reviewed on: 10th April 2025

Flex credit card has been so helpful especially comi...

Flex credit card has been so helpful especially coming after a sick leave it really helped me spread the costs and finances which helped me to be less stressed. I recommend Monzo to everyone Reviewed on: 10th April 2025

The best

Monzo is by far the best banking app. With all the new features especially Flex is game changer. You can always be assured to have funds if its an utmost emergency. Reviewed on: 10th April 2025

One of the best credit card in the market, with pay...

One of the best credit card in the market, with pay in 3 interest free installments. Reviewed on: 10th April 2025

Very happy Flexer

Getting the Monzo Flex facility was very easy and very quick. I applied and after they performed a credit check, I had the facility within a few hours if I recall correctly. It was all done through the Monzo app and the payment options are a breeze to use and change. After a year it notified me that I was eligible for an increase to my credit limit. Overall very happy using it so far. Reviewed on: 10th April 2025

They’ve been very good so far.

They’ve been very good so far. I like the money they gave me. I wish I did not have to pay it back but hey that’s a credit card for you. Opening the account was quick and easy. Reviewed on: 10th April 2025

Monzo Flex’s Smoothness

The process to obtain and activate the Monzo Flex card was so smooth. Definitely one of the best credit cards I’ve ever used in my entire life! Reviewed on: 10th 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

Zero Credit Card
from Santander 3.64 from 16 reviews
Nectar Credit Card
from American Express 3.81 from 12 reviews
Credit Card
from Tymit 4.55 from 155 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