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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

2013% 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)

Love Monzo flex

We used Monzo flex to furnish our apartment! Loved the experience, and the value proposition of spreading a big ticket cost over 3 months! Reviewed on: 30th March 2023

Responsible credit card with transparent information

Being able to split up large purchases helps spread the load across multiple months, especially as I tend to live frugally for a few months and then have a holiday break where I spend more. The transparent information is great and makes me feel like I am being treated fairly and not being taken advantage of. Reviewed on: 30th March 2023

Flex is great

I have loved using flex to spread costs Reviewed on: 25th March 2023

Amazing Company

Ever since I've switched to Monzo I've absolutely loved it! Reviewed on: 24th March 2023

Gret first credit product

Flex was my first credit product. I've found it easy to use and very clear how much I owe and when; recent features, like the ability to pay my next installment early, are very useful. I also find the ability to choose to flex transactions made initially using my debit card or to use the flex virtual card directly (and thereby get section 75 protection) very handy. Reviewed on: 24th March 2023

Simple app to use, quick responses and great flex!

Great app and customer service have always been swift. The flex option was a great addition and has made me unlikely to leave the bank. Reviewed on: 24th March 2023

There for when you need it

Flexible, perfect customer service. A great product. Reviewed on: 24th March 2023

Excellent service

Monzo provides an excellent service, super easy to use and super convenient. Everything is quick and hassle free. Reviewed on: 24th March 2023

Great product

Easy to access and use can see exactly what I owe Reviewed on: 24th March 2023

The card for the new generation

The best thing about Monzo is how easy everything is to do. There’s no waiting on hold for hours, no time limit to when you can do admin and no restrictions as to what you’re able to change for yourself- this is due to it being app based. Now they’ve brought out a credit card to add to their growing family of convenient, user friendly, straight forward banking accounts. What more could you want! Reviewed on: 24th March 2023

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