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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2339 reviews)

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4.96

Based on 2,339 reviews, last reviewed 26th Mar 2025

53100% 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

The app is easy to use! The app is easy to use! The products like Monzo flex are amazing. Reviewed on: 26th 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 (2339)

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

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

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