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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)

Best bank app by far

It’s basically all I need from a bank app in a nice dressing. Budgeting, savings pots with interests and flex payment Reviewed on: 3rd March 2023

Really good service

I have used Flex many times, it really helps with those unexpected payments and is much easier to work out how much the credit will cost over the short term than a credit card. Reviewed on: 3rd March 2023

Really love the flexibility of flex

Flex is a nice credit facility that helps me manage my daily expenses and spread larger expenses over longer periods. I’d love to see Flex extend the from 1 year to 3 year credit financing Reviewed on: 3rd March 2023

Life changing

It has really changed the way I spend money. I just make purchases now and pay it off in full or in instalments next month, really helps especially when you have unexpected costs creeping up or a new video game gets released mid month :) Reviewed on: 3rd March 2023

Jail Breaker

Helps in both short and long term projects Reviewed on: 3rd March 2023

Just amazing

I’ve joined them as I was let down by my old bank and their app. Monzo just ticks all the boxes and offers so many features in the app. Just amazing Reviewed on: 3rd March 2023

Best FinTech

Everything you need to know about your money in one place Simply put, high street banks should take a few notes Reviewed on: 3rd March 2023

Best bank I've ever been with

I've had nothing but a pleasant experience whilst banking with Monzo, I'd recommend this bank to anyone and everyone Reviewed on: 3rd March 2023

An honest review

Monzo flex is an excellent addition to an already fantastic service. I cannot rate Monzo highly enough. From the innovative features such as flex, early payments and the general helpfulness and e the usual from the team, Monzo is the best banking service I have ever experienced. Reviewed on: 3rd March 2023

Amazing

Very easy to navigate and clear Reviewed on: 3rd March 2023

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