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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2497 reviews)

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4.96

Based on 2,497 reviews, last reviewed 25th May 2025

18% decrease 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

Flex remains the most manageable credit card in the... Flex remains the most manageable credit card in the market place providing clear oversight of purchases and repayments Reviewed on: 25th May 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 (2497)

easy to use

banking is simple, clear and intuitive with monzo Reviewed on: 3rd March 2023

So easy to use

Monzo is brilliant. I initially got it because I was going to New York and wanted a safer way to carry my money. I have now ditched my old bank account and Monzo is my main account Reviewed on: 3rd March 2023

Amazing service

The Main Street banks would not touch the people going through tough times but Monzo provided a world class service to us!!! Making us feel special with different services that will help you get back on track! They deserve this win Reviewed on: 3rd March 2023

Great bank!!

Great bank great service, so many positives I don’t even know where to start! I’m a Monzo plus customer and it gives you so many different options such as creating virtual cards so you don’t have to provide your bank card details etc, Monzo flex is amazing you can flex purchases on 3-6-9-12 month plans 3 months no interest option. Reviewed on: 3rd March 2023

My favourite banking app ever

I've made everyone I know sign up for Monzo, it's just the most simple, easy to use banking app, and amazing to actually understand your money as well as payments between friends. Reviewed on: 3rd March 2023

The way forward to my finances

Since I got Monzo Flex which I use to manage a short term expenditure, I feel much more in control of the balances. I can give myself a breathing space with the 3 month interest free but also the section 75 protection for my purchase. The flexibility of payment is also phenomenal. The balance is updated instantly and also additional payments (even in pennies) can be added to lower the overall balance. It is an unique and really helpful product. Has made me be more conscious about any impulse purchases too. The icing in the cake is that it can be use for foreign transactions fee free. Brilliant. 5 stars. Reviewed on: 3rd March 2023

Monzo led the way

How interesting that Monzo would offer a new way of banking - be it saving pots to fit your needs, splitting the price in 3 to make payments more affordable, the ability to freeze/unfreeze your card if/when you can’t find it to keep it safe.. then… other banks would copy the ideas later - clearly Monzo are leading the way Reviewed on: 3rd March 2023

Great

I totally love my monzo flex so easy to use and so easy to pay I sometimes pay my purchases that day or I can flex the payments... It let's me decide what I want to do totally freedom Reviewed on: 3rd March 2023

The best app for mobile banking

Monzo has been the best app for mobile banking for me. I have other bank accounts with apps, and I must say Monzo has been the most thought out app for user experience, from accessibility, how it looks, feels and the different areas in the app to suit the customer journey. I keep up with expenses as the features allow me to do that, how much money was sent across to a business or person and money saving pots. The fact that the premium feature is shown at the bottom so you’ll never forget the services Monzo offers is amazing. I am also a flex user and this has been honestly great for me. Aside of of this Monzo has great customer service and I honestly recommend Monzo all the time to people that have not yet banked with Monzo! Monzo honestly changed the game for me, I use Monzo more than my main bank. Reviewed on: 3rd March 2023

Best bank out there

I love Monzo , the banking app is on a different level to other banking apps, they let you flex payments interest free over 3 months. Reviewed on: 3rd March 2023

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