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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2429 reviews)

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4.96

Based on 2,429 reviews, last reviewed 11th Apr 2025

62000% 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

Perfect user interface, great functions especially w... Perfect user interface, great functions especially with the instalment options and payment planning. 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

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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 (2429)

Review of the Monzo, Flex Credit Card:

Simple amazing

Monzo is incredible, is very simple to use and understand what it’s going on with your money, the flex feature is extremely useful and can save you sometimes (if not always) and I know they are trying to improved even more. Can wait to see what is coming Reviewed on: 4th March 2023

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

Incredibly intuitive and easy to use.

Incredibly intuitive and easy to use. Excellent security features. Reviewed on: 10th April 2025

Good knowledge of apr% on card, kept in loop

Good knowledge of apr% on card, kept in loop Reviewed on: 10th April 2025

Been with the bank for 3-4 years now i believe, not...

Been with the bank for 3-4 years now i believe, not a single complaint, everything is convenient and app based, where you can connect to a human for support, if needed. Reviewed on: 10th April 2025

I enjoy their three months interest free rate

I enjoy their three months interest free rate Reviewed on: 10th April 2025

Monzo Flex - a students best friend

As a student, managing money is already a challenge, but Monzo Flex has genuinely been a game-changer for me. I’ve been using it for a few months now, and it’s honestly one of the best financial tools I’ve come across. What I love most is the flexibility (no pun intended). Being able to split payments into 3, 6, or 12 months with clear, upfront costs helps me budget better without feeling overwhelmed. It means I can buy what I need—whether it’s textbooks, tech, or even groceries—without stressing about paying it all in one go. Another big reason I got the Monzo Flex card was to build my credit score, and so far, it’s been working great. Monzo reports to credit reference agencies, so as long as I make my payments on time, it helps me build a solid credit history. It feels good to know I’m taking steps toward financial independence while still in uni. Plus, the app is super easy to use. I get instant notifications, I can track everything in real-time, and I always know where I stand financially. There are no hidden fees or confusing terms—it’s all very student-friendly. Overall, I’d highly recommend Monzo Flex to any student trying to build credit and budget smartly. Just be responsible with it, and it can really set you up for the future. Reviewed on: 10th April 2025

No fees credit card.

No fees credit card. Amazing app and user interface as the current account. Easy to track your spending, flexibility to decide when and how much to pay. Possibility to split specific purchases only for a fixed time with no or average interest rates. Reviewed on: 10th April 2025

Monzo are great!

Monzo are great!, relateable, Hip and refreshing giving the banking sector a run for its money "No pun intended" - the Flex card makes those big purchases less daunting - 5* from me Reviewed on: 10th April 2025

Uni Life with Monzo

I have been using monzo since I was around 16. it allowed me to independently manage my own money, create savings and spend money easier abroad. in recent years i have been using the flex card. this feature has saved my life so many times. as a uni student, it can be hard to find a credit card or someone that trusts you to pay it back. using flex has allowed me to make my priority payments, and then anything else I can pay back in instalments which creates more flexibility with my income. Reviewed on: 10th April 2025

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