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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (1796 reviews)

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4.96

Based on 1,796 reviews, last reviewed 17th Sep 2024

75% 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

Monzo Flex Credi Card is so good that I can feel hap... Monzo Flex Credi Card is so good that I can feel happy in every transaction. Reviewed on: 17th September 2024

Latest lowest rating:

1

They keep raising interest rates. They keep raising interest rates. Reviewed on: 17th April 2024

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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 (1796)

Because Monzo always the best, l never have disappoi...

Because Monzo always the best, l never have disappointment at monzo l get what l need for monzo Reviewed on: 12th February 2024

3 months 0% finance from a credit card is unheard of.

3 months 0% finance from a credit card is unheard of. So easy to keep track of your transactions and chop and change the length of payback time. Reviewed on: 10th February 2024

Fantastic deal

The convenience availed to pay in 3 months interest free. Reviewed on: 10th February 2024

Monzo are the best!

Whenever I have required support from Monzo they’ve been fantastic. The main benefit is that I don’t have to wait on hold for ages on the phone, and that their chat facility is so much better than most companies. You can do it directly from the app and you can close the app and do something else while you’re waiting for a response, rather than staring at the screen and being unproductive while waiting to connect, as is the case with most other live chat facilities. Monzo seem to put convenience/ease of use at the forefront of all of their offerings, which is something I absolutely need in my busy life. Reviewed on: 10th February 2024

Monzo Flex makes credit use so much less daunting!

Monzo Flex makes credit use so much less daunting! I was pretty nervous about using anything credit/buy now pay later related. I've been an serial debit card user, and have been cautious about using credit cards I don't understand. I love how structured Flex is, no unwanted charges, confusing interest rates, or changing terms and conditions. Flex has allowed me to make big purchases without having to fork out a huge sum at once, but also gives me the reassurance of being able to pay off in a structured way. And in any case, you can always pay within 3 months interest free, plus the flexibility to pay off over up to 2 years and also the ability to change if you have extra cash to overpay and finish up sooner. A great product, and one I've encouraged others to consider instead of standard or more traditional credit cards. Reviewed on: 10th February 2024

I’ve been a Monzo customer since 2017 and love it!

I’ve been a Monzo customer since 2017 and love it! I have other current accounts but only actively use this one. Reviewed on: 10th February 2024

Amazing amazing amazing amazing amazing

Amazing amazing amazing amazing amazing Reviewed on: 10th February 2024

Opening a Monzo flex card for an upcoming holiday wa...

Opening a Monzo flex card for an upcoming holiday was so easy - I really appreciated being able to seamlessly open the account in the app and then start using it straight away. The payment experience is always flawless, unlike some e.g. Amex, who’s 3DS implementation seems to be broken for half the merchants I use. Reviewed on: 10th February 2024

Flex is a game changer

Flex is a game changer. The reassurance of using a credit card without huge interest fees. Freedom to change repayment term to longer (up to 23 months) or shorter if needed. If you select 3 or less months it’s interest free! A brilliant alternative to generic credit cards or loans Reviewed on: 9th February 2024

Easy to manage monthly payments.

Easy to manage monthly payments. Great flexibility in instalment plans. Easy to pay off early if wanted Reviewed on: 9th February 2024

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