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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

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:

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.

Monzo Flex Credit Card reviews (2506)

Review of the Monzo, Flex Credit Card:

Best online banking

Best online banking and easy to use mobile app. Reviewed on: 3rd March 2023

Fabulous services and excellent products

Fabulous services and excellent products Reviewed on: 18th March 2025

Monzo for the win!

The flex card is so useful and different from other credit cards. It is so easy to track and makes repayments manageable, and on your terms. I think overall it just outperforms 'traditional' banks as it is evident they care for their customers. The whole app interface just makes for easy use. Having the save 1p challenge is fun and allows you to save without really realising it, same with the round-up pots. I have bank accounts with 'traditional' banks but I now just wholeheartedly use Monzo as there isnt a single benefit a high street bank has over Monzo. As the world moves on and technology is in the forefront of every decision we make, it is time for more banks to adopt modern ways of working, and providing innovative, easy additional services for the end user to benefit from. Monzo for the win! Reviewed on: 18th March 2025

Monzo Flex’in

The Flex account has been pivotal over the years, and even more so recently with buying a house and getting the decor. The account is easy to set-up, quick and done before you can butter your toast. The Monzo app (as expected) is easy to use and controlling what you pay back, how much and when is super easy. Rates aren’t stupid if you’re paying over a longer period too. Reviewed on: 18th March 2025

Monzo is literally my favourite bank!

Monzo is literally my favourite bank. I hear the odd bad review, but after the last couple of years, the benefits like FLEX, virtual cards, and especially the money-organising pots have made my financial life so much better, especially with the ability to visualise everything. Reviewed on: 18th March 2025

Makes credit affordable

The 0% interest over three months product is an incredibly affordable way to spread small purchases, the credit limits feel fair and there is a real effort from Monzo to avoid putting people in debt which is refreshing in the BNPL space. I especially love the option to Flex any purchase within two weeks so if money is tight at the end of the month I can go back and Flex one or two transactions to get some cash back in a pinch at no extra cost! Reviewed on: 18th March 2025

Such a good scheme!

Such a good scheme to be able to do pay over time, interest only but also help build and maintain credit scores. completely manageable with payments can overpay and underpay Reviewed on: 18th March 2025

Great Credit Card & App

It was very easy to get a Monzo Flex Card, it was all done through the app and I was able to use it almost immediately. It is also very easy to choose the payment plan, see what I need to pay each month, or pay extra as it's all done through the app. It's a very smooth user experience. Reviewed on: 18th March 2025

Amazing 10/10 most valuable bank I have ever known

Amazing 10/10 most valuable bank I have ever known Reviewed on: 18th March 2025

Very easy to use and transparent.

Very easy to use and transparent. I know what interest is being charged, and I love that I can still use it with no interest free by paying in 3 installments. Reviewed on: 18th March 2025

Great service, good offer and their social media is...

Great service, good offer and their social media is very engaging and active. Reviewed on: 18th March 2025

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