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Monzo: Flex Credit Card reviews

View other Monzo products
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
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2%
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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
Mathew Wilkinson's avatar
Mathew Wilkinson

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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JN
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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)

Easy to use and be in control

5
Use of the Monzo flex option is simple and straight forward. Linked to the main app, all information shown in a clear style. Like the ability to flex in advance or even use for a payment already made. Love Monzo!! Reviewed on: 6th April 2023
Stuart Chapman's avatar
Stuart Chapman

Great use

5
Love the flex option Really is helpful when you need it Reviewed on: 6th April 2023
Nicola Andrews's avatar
Nicola Andrews

EMI

5
Easy to convert emi Monzo bank is good to use Reviewed on: 6th April 2023
Ajay 's avatar
Ajay

Amazing

5
Love it so much monzo is the best banking app Reviewed on: 6th April 2023
Nishaa Keshwara's avatar
Nishaa Keshwara

Dreams into possibilities

5
I use my flex account like it's a safe space, when I had to replace my e-bike that was stolen I didn't have the money at the time to purchase a new one right away and without it it would have been a nightmare to continue working as a delivery driver and thanks to flex I could buy a new one to keep working and providing for my family. Reviewed on: 6th April 2023
Matheus Purim's avatar
Matheus Purim

Clever financing

5
Finally, clever and accessible interest free borrowing. I love being able to manage personal cash flow using an interest free option that is innovative, easy to understand and doesn't punish you for early payments! Love it Reviewed on: 6th April 2023
Samantha Flaherty's avatar
Samantha Flaherty

Great way of using credit

5
Flex is a great product that allows you to buy now and pay later. I like how it is integrated into the banking experience. Reviewed on: 6th April 2023
Heckie Cormack's avatar
Heckie Cormack

The future of online banking is here

5
Since the inception of Monzo flex, it provided me the very reliable flexibility in budgeting that it almost replaced the need for a credit card. Reviewed on: 6th April 2023
Rafjay Dimalanta's avatar
Rafjay Dimalanta

Smart flex account

5
Fantastic idea, an overdraft scheme with a low interest rate and an easily accessible contact team should you need to make changes due to circumstances. Highly recommend and promote. Cheers monzo! Reviewed on: 6th April 2023
Joel whelan's avatar
Joel whelan

Best banking services

4
I was introduced to flex by my friend. Total life changing. Its got all thr best offers not offered on the high street banks. Reviewed on: 6th April 2023
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peju ayoola

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