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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)

Ability to use my account easily and anywhere

I am so happy I have a Monzo account as I travel to Australia a lot to see my daughter and grandchildren. I don’t have to think about exchange rates, charges etc. I just use my Monzo Flex Card. Accepted everywhere it’s great… Reviewed on: 6th April 2023

Flex Review

Monzo Flex provides a really great service. Reviewed on: 6th April 2023

The trailblazer

It good to have the monzo flex , it gives the opportunity to identify your spending and how to manage it. It most interesting part is having to pay on time and in return getting a reduced interest rate for that month under consideration. Reviewed on: 6th April 2023

So easy to use

It’s so easy to use. The transparency around exact interest amounts is great as well. I also love that it’s linked to my bank account unlike similar products from Klarna etc. Reviewed on: 6th April 2023

Very best

I dont think feature like monzo flex is provided bt any other.... i been using this since starting and i love it. I have recommended monzo to many others hoping they would get this feature but looks like everybody doesn't get it.. i was using llyods for a long time but now all of my transactions are via monzo flex and its quite easy to pay back also so its nice Reviewed on: 6th April 2023

Amazing service.

Monzo’s service is incredible like any other bank. Reviewed on: 6th April 2023

Something to always fall back on

The Monzo flex always comes in handy when I need to split payments. It’s a huge financial relief for me. Definitely one of the best features on Monzo Reviewed on: 6th April 2023

Amazing

Best service I’ve ever had! I know it is a organization tgats listen to me and provide me with the best service Reviewed on: 6th April 2023

BEST BANK

Very considerate of IMMIGRANTS and app is easy to use!!! Quick and easy to help through their help line on the app. Reviewed on: 6th April 2023

Good bank

Nice bank which I ever had compared to all banks Reviewed on: 6th April 2023

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