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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2234 reviews)

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4.96

Based on 2,234 reviews, last reviewed 10th Mar 2025

21250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Things are hard at the moment, I’m a single mum who... Things are hard at the moment, I’m a single mum who works full time and I can’t always afford things when I need them. Flexi gives me the chance to bu... Read more Reviewed on: 10th March 2025

Latest lowest rating:

1

Monzo. The most devious, incompetent bank in the UK. Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud pol... Read more Reviewed on: 4th March 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 (2234)

amazing, flexible and quick

Is very easy tool to work with. Easy to access and make me trust in Monzo more Reviewed on: 28th February 2023

Amazing product!

Amazing financial product! Helps me spread the cost across 3 months with no interest! Love Monzo! Reviewed on: 26th February 2023

Best one out there

Best credit card out there. Highly recommended! Reviewed on: 25th February 2023

Excellent Benefit

The way providing to use the flex amount is excellent and very helpful. Reviewed on: 24th February 2023

Credit Card Alternative

Such a fantastic feature - BNPL Credit Card style! Love how Monzo are giving us great features all in the same banking app! Thanks Monzo, your the best challenger bank out there!!! Reviewed on: 24th February 2023

No waiting times

When I flex something, I don’t have to wait for it to appear on my bank statement, if I pay it off, I don’t have to wait 5 working days for it to “clear”. With flex I get instant gratification that it’s paid off. Also, they now have 3 month interest fee payments, and pay in full on next payment date, which combined with Flex being combined with my main bank account, it means it may all finally all be in one place! Monzo Flex also recently protected me with a section 75 claim on a faulty product, and customer services were fair and detailed. Reviewed on: 23rd February 2023

Best flex credit card ever

Simple to use, easy to manage your bills, and to pair with the Monzo app is just the best product by far in the UK market! Reviewed on: 23rd February 2023

Game changer

Great product, so useful. It’s changed how I budget and use credit, thank you Reviewed on: 23rd February 2023

Flex is great BNPL / credit card alternative

I have been an advocate for Monzo since joining in 2017 and always look forward to new ways they push for improvements in banking. Flex is great way to handle your finances and is really transparent and flexible when spending. I will replace this with my current credit card and be confident Flex will make waves! Reviewed on: 23rd February 2023

Easy, quick, simple to understand

Flex gives me that option to spread payment out, even haircuts. I can pay for a haircut in 3 monthly fee-free instalment. Crazy helpful! Reviewed on: 23rd February 2023

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