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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

75% 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)

Banking transformed

So glad I found Monzo- my banking is so easy to manage! Best banking app ever! Reviewed on: 10th March 2023

Good product but quite pushy in the app

I got monzo flex to try it out, and typically just forget it's there and only use my monzo debit card which I really like. They push the flex product a lot, and keep asking me to order a physical card. Think it's good for when I need it but don't want to be pushed onto it when I don't. Reviewed on: 10th March 2023

Online and instantly

Fantastic and user friendly service Reviewed on: 10th March 2023

More flexible than a credit card

I'm really happy with Flex, an innovative credit line with built in flexibility. Much more useful to me than my standard credit card (which I've now been able to close. Flex makes it easy to manage payments, flexing them if you have more or less money one month etc. Also better in my view than the other buy now pay later providers because it's with a bank, and sits alongside your account so you're always able to see all your finances together Reviewed on: 10th March 2023

Great utility

Very easy to register and start using Great utility for someone new to the UK Reviewed on: 10th March 2023

User-friendly experience by using a flexible banking app

The flex instalment is so flexible by just a few clicks over the Monzo banking app. The client can immediately choose to do the instalments in the banking app just right after the purchase transaction was made. Reviewed on: 9th March 2023

Fantastic service

Excellent product that allows you to break the cost of your purchase over 3, 6 or 12 months Reviewed on: 9th March 2023

Best way to manage money

I love how the way Flex updates balances instantly Reviewed on: 9th March 2023

Great options for purchases

I really like being able to choose 0% or to pay interest on anything and having a fixed time to repay feels so much safer when spending. Looking forward to having a higher limit so I can get rid of my other credit card. Reviewed on: 9th March 2023

Great feature

Great alternative for credit card. Reviewed on: 8th March 2023

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