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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)

It's only ever been monzo!

The love I have for this bank is unexplainable I have recommended monzo to so many People week after week, getting paid early, the pots, flex, save the change, savings, it goes on I will never ever return to a ' high Street' bank again, monzo literally changed my life my finances and my mission is to get everyone I know using full monzo!! Reviewed on: 18th March 2023

Easy way to spread the cost

Flex is an easy way for me to spread the cost of larger transactions interest free for 3months. The integration with the rest of the app is superb. Reviewed on: 18th March 2023

Easiest bank

Monzo is simply the best and easiest bank to have. All features are super easy and helpful, woth monzo flex being amazing Reviewed on: 16th March 2023

Made a difference to my finances

The Flex has helped me get rid of all my credit cards. I never have to get in touch with anyone because I can do everything I need straight in the app, on the go. Flex has helped me improve my budgeting and spend more wisely. Excellent service. I highly recommend. Reviewed on: 16th March 2023

Better than any other credit card!

Monzo Flex is amazing…. It not only allows you to pay off quicker with its 3 months interest fee option, it’s also interest fee!!! I adore it! Reviewed on: 16th March 2023

Faultless

Great way to pay later great Addition to monzo Reviewed on: 14th March 2023

A solid and it is a vanilla cake to use it

It helped me to manage my tech expense that needs on the right time. The application is really cool and really easy to use like an ice cream. The automated process of verification and opening accounts with Monzo is really streamlined. Reviewed on: 14th March 2023

Super product with simple terms

Clarity and transparency are what set Monzo apart from other banks. Flex is the best example of this - giving all the decision making power to the customer! Reviewed on: 12th March 2023

Overall it's unbelievably amazing.

Monzo offer flex card for customer. I have been using for 2 months. It is pretty good. I can use £2,000 credit interest free as long as paying all of them in 3 installments in each following months. Hope installment plan will be extended to 6 or 12 months. Reviewed on: 12th March 2023

The best credit experience so far!

Provision of easy credit to be paid off without stress. Easy adjustable plans. They are always trying to improve your experience with them! Best banking experience. Reviewed on: 11th March 2023

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