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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2461 reviews)

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4.96

Based on 2,461 reviews, last reviewed 15th Apr 2025

64900% 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

I've been using Monzo Flex credit card, and... I've been using the Monzo Flex credit card for a bit now, and I've got to say, it's a rather clever bit of kit. The way it lets you spread out the cos... Read more Reviewed on: 15th 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 (2461)

Review of the Monzo, Flex Credit Card:

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

Very smart and efficient banking

Very smart and efficient banking Reviewed on: 14th April 2025

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

Flex has completely changed the way I manage money.

Monzo Flex has completely changed the way I manage my money – in the best possible way! Flex gives me the freedom to spread payments with zero hassle, and the control to stay on top of my spending without falling behind. It’s quick, smooth, and incredibly transparent, no hidden fees, no stress. I used it recently for a bigger purchase I would have otherwise delayed, and the process was seamless. Within seconds, I had split the cost and could track everything right from the app. It’s smart, simple, and genuinely empowering. Monzo Flex isn’t just a feature, it’s a financial game changer. Reviewed on: 13th April 2025

I really like the card - comes with great flexibility

I really like the card - comes with great flexibility and easy to make payments so you can use it interest free if you need to but also get longer to pay it back. It’s easy to pay off individual purchases or the card overall and I quite like this approach Reviewed on: 13th April 2025

Always easy to talk too solve problems quickly Haven...

Always easy to talk too solve problems quickly Haven’t had to use customer service oftenJoined Monzo last year it’s been very easy to understand. Reviewed on: 13th April 2025

Great options

I used the Monzo Flex credit card to spread the cost of a few larger purchases, taking advantage of the three-month interest-free option. The setup was quick and easy in-app, and having the flexibility to manage repayments without added cost made budgeting much smoother. A great short-term credit option with clear, transparent terms. Reviewed on: 13th April 2025

Second to none

Such a progressive bank, their app is excellent. I can keep on top of my spending pay the card straight from my savings account amazing Reviewed on: 13th April 2025

Efficient, good programme, economical, inspires saving

Efficient, good programme, economical, inspires saving Reviewed on: 13th April 2025

Better to increase my limit am using lot

Better to increase my limit am using lot Reviewed on: 13th April 2025

Monzo is personalised banking at its best

Monzo takes an innovative and human-centric approach to banking. Flex has helped me easily spread the cost of high value purchases while maintaining my credit score. Monzo are also proactive with checking in on their customers' financial station based on account usage and previous conversations. It's personalised banking at its best. Reviewed on: 12th April 2025

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