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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)

Love Monzo

A friendly bank, genuinely doing new things with bank accounts and adding new features like flex which is like a better credit card. Reviewed on: 23rd February 2023

Innovative Banking Brand

Love Monzo and the constant improvements and iterations that they seem to release at lightning speeds compared to the legacy banks. Products such as Flex are revolutionary and much more flexible than traditional banks credit cards etc. Long live Monzo and keep it Hot Coral Reviewed on: 23rd February 2023

Flex is the new Card in a living crisis

The flex card has helped to support my finances and the ability to break down into payments that’s affordable over a flexible time period. Reviewed on: 23rd February 2023

Flex Fantastic

The introduction and finer tweaking of Monzo Flex means I have a product that I’ve already used three times since launch! Looking forward to more innovation! Reviewed on: 23rd February 2023

Love my Flex

Congratulations to Monzo for launching Flex! a truly innovative consumer lending solution. Flex has gone form strength to strength, increasing credit limits, allowing more time to make your first payment and providing physical cards as well as virtual. and the physical card is marvellous! Monzo is a truly responsible lender and sets the bar for BNPL products Reviewed on: 23rd February 2023

Flex is very useful

I like having the "flexibility" of flex in my banking app. It's always easy to understand and quick to load. Just got a physical card which pretty much makes it my credit card replacement now as well. Reviewed on: 23rd February 2023

Innovative modern credit for people

What's not to love about Monzo Flex? Not only is it super easy to use as a product, ots extremely transparent about costs when choosing how long to spread purchases for. It's continued to evolve since launch showing how the team at monzo listen to customers and I can't recommend it enough! Reviewed on: 23rd February 2023

I love Flex

It gives you "Klarna" benefits but for any purchase you want. Very intuitive, easy to use and transparent. Reviewed on: 22nd February 2023

I find it amazing that this has never been done before

I’ve never had a ‘loan’ product work so seamlessly with a current account. It’s so simple, no hassle, really well designed bit of the app. Just the idea of being to spend money and then retrospectively ‘Flex it’ is insanely simple, but so handy! Reviewed on: 19th February 2023

Flex needs some improvements

Monzo Flex is a good product but some things need improving. I'm stuck on a low credit limit and have had 0 communication on how to improve. You can't set a default action for 'Flexed' items when paying with the card - you always have to do this after the purchase. Also, you can't change the payment date. Reviewed on: 17th February 2023

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