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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2505 reviews)

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4.96

Based on 2,505 reviews, last reviewed 13th Jun 2025

61% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Instant credit granted when I needed it. Instant credit granted when I needed it. Reviewed on: 13th 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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Monzo Flex Credit Card reviews (2505)

Fantastic Service

The flex account system with Monzo has really put me in control of my lending and budgeting. I can spread the cost of a purchase over 3, 6, 9, or even 12 months! I can make extra payments that come off at the end or pay my monthly payment early anytime I like, I can also clear the balance in full with no admin charges. I also like how it's really clear about how much you pay in interest and how much you save when you pay the balance early. It's just super clear! Reviewed on: 5th March 2023

Great user experience

Card is really easy to use via the app Reviewed on: 5th March 2023

Lovely solution to spreading costs within your means

Monzo flex has been useful in spreading the cost of some larger expenses, whilst still staying within my means. You can get no interest payments, and repay early with no penalty. Reviewed on: 5th March 2023

Flex on flex off

Not sure how I survived day to day finances before flex. I can’t praise it enough, it really has been a game changer, I love the flexibility of payments options, and being in full control at all times which is very important to me. Old fashioned credits cards have been cut up and replaced by flex. There’s absolutely no going back. Reviewed on: 5th March 2023

I love monzo!

I love using monzo flex, it has helped me manage my spending and it’s so easy to use. You can clearly see your payment schedule and it’s easy to make repayments and the interest is reasonable too. I tend to always pay before my monthly due date so avoid the interest. I couldn’t live without monzo flex! I’ve never had a credit card, if monzo flex is all I need! Reviewed on: 5th March 2023

Monzo has given me great experience

It's always simple and easy for the money transfer and haven't had any difficulty using monzo Reviewed on: 5th March 2023

Easy, efficient, friendly

Monzo makes it easy to save money, everything is user friendly and efficient. I feel like I’m doing better for the environment because it makes online, paper-free banking hassle-free. I’m so glad I decided to start using Monzo. Reviewed on: 5th March 2023

Best bank ever!

I’ve been using Monzo for a long time now and have had 0 issues or faults or anything of the sort. It has/does everything a normal person would need for banking, all from your phone. Would highly recommend to friends and family. Reviewed on: 5th March 2023

11/10

Amazing banking app. Being paid a day early is the best part, everything’s quick and easy to use, absolutely amazing service! Thank you monzo! Reviewed on: 5th March 2023

Great and easy to use

Best thing about monzo, they offer lots of great services Reviewed on: 4th March 2023

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