Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2115 reviews)

View other Monzo products | Find out more about this product

4.96

Based on 2,115 reviews, last reviewed 12th Feb 2025

4343% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Great flexibility I love the Monzo Flex Credit Card, it is great to be able to pay off some items sooner than others, it really helps me to manage my monthly budget. Reviewed on: 12th February 2025

Latest lowest rating:

1

They keep raising interest rates. They keep raising interest rates. Reviewed on: 17th April 2024

Read all reviews Write a review

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.

Review Monzo: Flex Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Credit Card reviews (2115)

Flex is the best BNPL service

Monzo offers the best BNPL service Reviewed on: 15th February 2023

Changed my relationship with borrowing for the better!

Monzo Flex is wonderfully designed and has made the cost of borrowing much clearer than traditional credit cards. I also know exactly how long it will take me to repay what is outstanding and this has made it so I borrow more responsibly. It's flexibility is unbeaten with me being able to pay overtime for past purchases as well as new and I have found the ability to overpay and know how much interest I will be saving to be immensely helpful and encouraging sensible use of credit unlike other cards. A game changer! Reviewed on: 15th February 2023

Flex is what all credit cards should offer

Flex is such a great customer product. From clearly illustrating how to use flexible credit for purchases it has empowered me to be in control of my finances. Reviewed on: 15th February 2023

Flex is the way forward

Such a great concept and it has been delivered in a way that has the end user in mind. Can't fault it! Reviewed on: 15th February 2023

Great

Very good product - thank you Monzo. Reviewed on: 15th February 2023

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Card
from Argos 3.46 from 52 reviews
Platinum Credit Card
from Lloyds Bank 4.22 from 47 reviews
Cashback Plus Credit Card
from RBS 4.17 from 8 reviews

There's still more to see!

Monzo has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub