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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2506 reviews)

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4.96

Based on 2,506 reviews, last reviewed 17th Jun 2025

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

4

.Easy access to credit - a little too easy Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over t... Read more Reviewed on: 17th June 2025

Latest lowest rating:

1

The most Useless CC I am trying to use Monzo flex credit card and where ever I've tried to use it and that's multiple places it doesn't allow me to use it. It's the most ... Read more Reviewed on: 4th June 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.

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Monzo Flex Credit Card reviews (2506)

Flex is great and relieving

Flex has been helping me in purchasing home appliances with so much ease Reviewed on: 8th April 2023

The Silver lining

Monzo Flex is literally the silver lining on the cloud that is today's cost of living & spiralling prices. It is the most helpful add on to a bank account I have ever seen and used. It is a safely net that if used wisely can mean a massive difference if you are struggling to make ends meet - it is well thought out, well executed with a jargon free, self explanatory portal that shows you everything you need to know to manage your payments. Quite simply a godsend. Thank you MONZO Reviewed on: 8th April 2023

I love monzo

Monzo flex easy and friendly. Monzo the best and love you monzo forever Reviewed on: 8th April 2023

Flexible Flex

This model is really helpful for me to manage my financial status by having an distributed payment option. I know no other bank provides this option yet and this is really innovative and useful. Reviewed on: 8th April 2023

Amazing

Love monzo...so easy to use..always reliable and a great service who I trust with my money. Reviewed on: 7th April 2023

Great Bank!

Loved easy account opening procedures and Flex option! Reviewed on: 7th April 2023

Great Lending

Great way to split monthly payments on big purchases Reviewed on: 7th April 2023

Best and reliable

Very fast and easy way to use bank. Either you are home or abroad monzo is always there. Reviewed on: 7th April 2023

Account management

Easy to manage accounts, flexilible loans, credits Reviewed on: 7th April 2023

Easy and super intuitive

Allows for full control of your finances Reviewed on: 7th April 2023

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