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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2511 reviews)

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4.95

Based on 2,511 reviews, last reviewed 24th Jul 2025

97% 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 is great! Love the Monzo app, one of the best banking apps out there. So easy to use and manage your finances and super modern. Also love the flex credit card a... Read more Reviewed on: 12th July 2025

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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 (2511)

Why was this not invested before!

Flex is so much easier, clearer, flexible and fairer then using a standard credit card, allow me to be able to pay for those purchases how I want with the ability to increase the length of time if the coming month(s) are tighter than expected! - Amazing innovation a must win - Good Luck! Reviewed on: 3rd March 2023

Monzo is the new world for simplicity

Ever since I started banking with Monzo in November 2016, I have not had to waste time queuing up in a bank. The way they have set up the app is so intuitive that even technophobic people can carry out their banking needs with ease. I love the fact that you can set up interest bearing savings pots from the comfort of wherever you have a secure internet connection and not have to sign paperwork etc which historically were written in degree level English is microscopic print. My brother and my nephew also bank with them as a result of my excellent stress free experiences. Reviewed on: 3rd March 2023

Vasile Bondaret

Its the Best Monzo Bank Reviewed on: 3rd March 2023

Amazing Bank, Easy to use and understand!

Monzo has been an amazing bank that’s really easy to use. They offer a lot of help in app and consider helping a lot of people by offering credit to help such as Monzo Flex Reviewed on: 3rd March 2023

Monzo is class

Monzo is a serial winner, good at everything it does for banking. Reviewed on: 3rd March 2023

Modern, user friendly, lots of cool features

Monzo is very up to date with the requirements of modern spenders. The ability to follow transactions and pool together similar transaction types, show much much has been spend in total at one particular retailer or send to one particular friend make spending habits easy to follow. Account lots make it easy to save and spend. Monzo Flex is a great alternative to a credit card if you want to spread your purchase over three months. Reviewed on: 3rd March 2023

Finally a bank that thinks like me!

I like to plan, I like to be able to separate my money and when times are tight I love flex! The ability to control how much interest I pay, pay back early and spread the cost without the fear of hefty loan repayment fees is wonderful. Thanks monzo! Reviewed on: 3rd March 2023

Does what it says on the tin

Monzo Flex is great, so easy to use and useful being able to spread a purchase over a few months interest free! Reviewed on: 3rd March 2023

I really feel like Ive been put first

Monzo flex is a brilliant product - I’ve used 5 other BNPL products and this one is by far the best - so easy to use, so transparent and of course incredibly flexible for finance. My favourite thing about it is how it’s integrated with Monzo trends and your debit card where you can flex almost anything you’ve already spent on. It’s very reliable and never had to suffer declines like I do with other credit companies. Love it and will keep using it Reviewed on: 3rd March 2023

My most used banking feature

Flex was amazing over Christmas for present buying and other large purchases to help spread the cost so easily Reviewed on: 3rd March 2023

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