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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2496 reviews)

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4.96

Based on 2,496 reviews, last reviewed 8th May 2025

4373% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

There are a lot more people in there and they are go... There are a lot more people in there and they are going on the same page as Reviewed on: 8th May 2025

Latest lowest rating:

1

Monzo. The most devious, incompetent bank in the UK. Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud pol... Read more Reviewed on: 4th March 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 (2496)

Best bank

Best bank ever the easiet to use get paid early I mean what more can I say it’s the best bank in the world the support the help I love it!!!! Reviewed on: 6th April 2023

Really easy way to spread payments on purchases

As a Monzo customer, I have been using their Monzo Flex product to spread the cost of some of my larger purchases made via my bank card, and I have to say, it's been a game-changer. Monzo Flex is not a traditional loan product, but rather a way to spread out the cost of purchases made on my Monzo bank card over several months. The application process for Monzo Flex was incredibly simple and done entirely through the Monzo app. I was able to choose which purchases I wanted to spread out, the repayment term that worked for me, and received an instant decision. The funds are added to my Monzo account every time I flex a purchase, and I can see my repayment schedule right in the app. What I appreciate most about Monzo Flex is the flexibility it offers. I'm able to pay off my balance early with no penalty, and there are no hidden fees or charges. Plus, the ability to see my repayment schedule and how much I'll owe each month has been incredibly helpful in managing my finances. Reviewed on: 6th April 2023

Best flexible credit card, aptly called Flex!

Monzo Flex is a virtual credit card offered to Monzo customers. It can be used as a regular credit card but the main feature of this card is one can spread the cost of each transaction to 3 (interest-free) to 12 months. You can change the installment plan any number of times you want, which is my favourite. They have recently started rolling out physical flex cards, so that would make this my go-to payment card in shops outside whenever I would be making an expensive purchase which I plan to spread out into installments. Reviewed on: 6th April 2023

Best Bank!

Honest and exciting bank. So many great features and great interest rates on the savings account. Love flex as it allows you to pay later without any interest. No problems when using it to pay outside the UK. Overall, a great mobile banking experience!! Reviewed on: 5th April 2023

Structured Lending, Done Right

Monzo has found a unique way of structuring credit card facilities, giving you a level of control (and delay) in paying for items, whilst forcing you to make a commitment for when that item is being paid off (rather than just an ever-growing pit of money that may or may not get paid off at some point). Reviewed on: 5th April 2023

Amazing product

A thoroughly well thought through product that puts the customer’s needs first Reviewed on: 4th April 2023

Monzo, just in time!

Monzo helps me manage my finances and lets me take full control of my spending. I’d highly recommend Monzo to anyway, Monzo flex has given me a new view on how I spend my money. I treat making payments now as, can I afford it? Yes? Then I’ll flex it and pay it off overtime, letting me have more freedom in the flex periods. Reviewed on: 4th April 2023

Make big purchases and spread the coat

Make big purchases and spread the cost. Monzo flex has allowed me to treat myself to things when the paycheck just didn’t quite allow for it. Reviewed on: 2nd April 2023

Amazing flexible payments

Interest free repayments for three months is fantastic, directly with my bank and within the app. Much prefer this to using other buy now pay later methods. Reviewed on: 30th March 2023

A credit card but better!

Flex is essentially all of the great stuff about a credit card, but with so much more visibility and flexibility, I love it! Reviewed on: 30th March 2023

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