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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)

Everything with Monzo is pretty straightforward from your day to day banking to loan and credit cards fantastic

Everything with Monzo is pretty straightforward from your day to day banking to loan and credit cards fantastic Reviewed on: 6th April 2023

Best bank

Best service ever and fast response and fast transaction speed Reviewed on: 6th April 2023

Best BNPL Product on the Market

Everything about Flex, from the UX design to the options available to customers, ease of setting up and using along with the information and support provided by Monzo make this the best BNPL product on the market. Reviewed on: 6th April 2023

Brilliant

Flex is an amazing way to use credit without the hassle of paying interest. Almost anything can be flexed over 3, 6 and 9 months with the later two charging interest. It also provides a virtual card. Reviewed on: 6th April 2023

Fantastic

Amazing and couldn't praise them highly enough. Simple and easy app to use too Reviewed on: 6th April 2023

Flextastic

Flex is amazing and has revolutionised BNPL, there is simply more flexibility than any other credit provider, with the ability to choose different repayment plans to suit your needs. With everything neatly packaged up in one convenient location it just deals the deal Reviewed on: 6th April 2023

Keep up the good work!

As always: you ROCK! Its a pain "Your review should be between 32 and 4096 characters."... Reviewed on: 6th April 2023

Comes in clutch every time!

Amazing product and easy to use. Repaying is simple. Reviewed on: 6th April 2023

Great bank and great service

I love the flex option on my account. An easy way to manage payments amd avoid using Klarna. Reviewed on: 6th April 2023

Flex is the best credit card I've had in years

Monzo Flex is one of the most useful and fair credit cards out there. Honestly. 3 months interest-free, great to help the credit score as long as it's used responsibly. After 3 months you pay interest which is really good given most credit cards charge interest instantly. I highly recommend Monzo Flex to financially responsible people and they always love it and share it with their friends. Reviewed on: 6th April 2023

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