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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)

A great bank with an ever better social team!

A great bank with an ever better social team! Currently in the process of joining and the customer experience and response times have been great. Reviewed on: 18th March 2025

Easy to use, valuable insights

Easy to use, valuable insights, makes managing money across accounts very easy. Flex card offers reassurance and is a great first credit card. Reviewed on: 18th March 2025

Best credit card ever!

It is such a slick and simple UX, and clearly shows the interest options over time. Reviewed on: 18th March 2025

I was a victim of fraud

I was a victim of fraud and as soon as I reported it Monzo refunded me the amount whilst they investigated, they are outstanding in my opinion. Reviewed on: 18th March 2025

10/10 flawless

Excellent experience, no teething issues. Reviewed on: 18th March 2025

Amazing - has improved my quality of life

I only found out about flex last year I have had a Monzo current account for a few years now and it has helped me improve my credit score and helped me in sticky situations Reviewed on: 18th March 2025

Easy to use

Easy to use and see transactions and due date Reviewed on: 18th March 2025

Smooth and Fast

It's an amazing experience with an amazing app, very smooth and fast. I trust Monzo with all my heart. Reviewed on: 18th March 2025

Go for monzo

Great banking app. ………Flex is best…. easy pay in 3 with no interest or more but pay interest Reviewed on: 18th March 2025

Their flex card is so handy for spreading payments o...

Their flex card is so handy for spreading payments out and for 3 months it’s free (0% APR) so I use it all the time for regular small spends because why not! It’s quick and easy to add transactions and works instantly. Reviewed on: 18th March 2025

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