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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)

A true way to have flexibility

I've had monzo flex for a number of months now. It gives me the autonomy and flexibility to have complete control over my purchases whilst allowing for every day life to get in the way without causing real financial problems. It's fully transparent, easy to use and a complete life saver at times. Reviewed on: 7th April 2023

Flex is great

Flex has enabled me to spend beyond my means in certain months (when it is unavoidable!) without having to have an overdraft or credit card. I budget the payments into my next months spending. Reviewed on: 7th April 2023

About flex

One of the best bank transactions i hve ever come across Reviewed on: 7th April 2023

Excellent service

Monzo Flex is handy. Ot makes buying easy by spreading the cost. Reviewed on: 7th April 2023

flex your wat to a better future

Easy to understand and use , if short one month flex your way to a better future Reviewed on: 7th April 2023

User friendly

It's been 3 years since I've started using monzo. Since the past one year, I've started using monzo flex ,which is superuser friendly to use, helped me a lot in saving money and made my life easier. I can flex all my transactions, even after purchase. It has the same right as a credit card, regarding FSCS protection. Customer support is very easy to access. The app is very colorful and extremely useful for saving money too. I would strongly recommend this app to my friends and family. I hope monzo introduces a lot of more features to make my life easier. We stand with you monzo. Reviewed on: 7th April 2023

Awesome

Monzo flex has been handy especially now it comes in a card like credit card. Reviewed on: 6th April 2023

Automation

Loved using flex. Very easy and feasible with interest rates and easy to pay. Reviewed on: 6th April 2023

Absolutely the best!

Flex is one of the best product from Monzo, it saves me the time to wait for my salary to drop before purchasing items. Reviewed on: 6th April 2023

I am grateful for Monzo

Flex is an amazing product, that gives you full transparency and control of your credit use. Reviewed on: 6th April 2023

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