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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)

Excellent customer services

Monzo is a bank with excellent customer services, easy to bank with a lot of offers that benefits the customers. They are doing great and makes my banking with them enjoyable Reviewed on: 6th April 2023

Fantastic addition to Monzo banking

Recently opened a flex account, best decision I’ve made (banking-wise)! I feel safe banking with Monzo generally and this has been a great addition to my banking experience. Reviewed on: 6th April 2023

great flexible product

Very easy way to spread the cost of payments with no interest Reviewed on: 6th April 2023

gemma

Nice bank 100% recommend to my friends and family Reviewed on: 6th April 2023

Flex is the best thing ever

Flex is so easy to use and it can be a god send in these tough times and it can be used without you getting out of hand with money owing Reviewed on: 6th April 2023

Flex is the best

The best buy now pay later integrated into the best current account provider. Reviewed on: 6th April 2023

Most flexible lending out there!

As a person who works largely on commission, having the flexibility to pay back things as and when, extend payment plans or pay things off immediately really works with my life and finances - Monzo Flex gets me! Reviewed on: 6th April 2023

Really monzo bank help hard time,thankyo so much for this opportunity

Really this bank help me hard times,especially monzo flex with no interest Reviewed on: 6th April 2023

So easy to manay

Absolutely love the ease of Flex Reviewed on: 6th April 2023

Awesome offering and service

Everything works so well with no complications. Monzo have 'smashed it' - I love Monzo Reviewed on: 6th April 2023

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