Write a review

Monzo: Flex Credit Card reviews

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

View other Monzo products

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

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 (2234)

Really handy add on!

Flex is perfect for helping to spread the cost, especially the two 6 month flex options offered at the beginning! Reviewed on: 16th February 2023

Simplistic, intuitive and reliable

Excellent financial visibility, control and management. Fantastic ease of use and makes the conventional banks look like dinosaurs with complex and outdated UI. Reviewed on: 16th February 2023

Scared of predatory credit. This is different.

I started using Monzo Flex out of curiosity. Had a very low limit to start. In the past I’ve had problems with predatory credit products that’s seemed designed to pile on the fees. This product feels like a healthy use of small amounts of credit that help me budget and saves me money when I buy big ticket items on sale. Keeping up on my payments is really easy. And I actually enjoy making small extra payments because it makes me feel accomplished. Great job Monzo! Reviewed on: 16th February 2023

Flex is amazing

Flex is truly an amazing product from monzo, and the ways its being improved truly Im loving it even more. Monzo has been listening to its customers and some of the latest improvements made this an even more desirable product. This is another reason and product I recommend Monzo/Flex to all my friends and family. Reviewed on: 16th February 2023

Next level banking

Great product, customer focused, a superb service to allow payments to be spread over a period interest free. Reviewed on: 16th February 2023

No need to think about Credit card issues

I've always been annoyed by other credit card providers and how they don't allow for multiple month instalments. With Flex, this is now possible and can be done with 0% interest upto 3 months Reviewed on: 16th February 2023

A great er, flexible product with the Monzo flair

Flexing anything from two weeks prior is amazing, helps in those tricky end of month moments. Also the Flex virtual card that you can use practically anywhere is excellent. Reviewed on: 16th February 2023

Credit card with flexible payments

Being able to split any purchase with 0% over 3 months is great. Not worried about any surprise bills / purchases Reviewed on: 15th February 2023

Flex is the best BNPL

Flex is the best BNPL it is the most responsible BNPL out there Reviewed on: 15th February 2023

Flex is the best BNPL service

Monzo offers the best BNPL service 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

American Express Credit Card
from American Express 3.40 from 88 reviews
Classic Credit Card
from Bank of Ireland 1.83 from 5 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.17 from 13 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