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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2338 reviews)

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4.96

Based on 2,338 reviews, last reviewed 25th Mar 2025

53000% 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

First credit card This is my first dabble with credit, and it has been very positive. I like that you can flex a payment after it has been made, which gives me great fl... Read more Reviewed on: 25th 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 (2338)

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

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

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