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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 I've ever used

I love the ease of use. The ability to see future payments Ability to receive early salary payments Flex credit facility Sending payment requests without sending your bank details. Reviewed on: 3rd March 2023

Excellent Journey

My journey with Monzo, has been clear, explained, supportive, innovative, surprising, welcomed and made me feel like part of there journey which makes my journey easier, supported and enjoyable. No stress, varied products and always a journey in the right direction. Reviewed on: 3rd March 2023

Very helpful

It is a great way to help me manage my monthly budget. Reviewed on: 3rd March 2023

Great feature

Really useful function, especially being able easily see balance, pay back and upcoming payments shown in your committed spend. Reviewed on: 3rd March 2023

Excellent

Monzo Flex is the best ever! It is very easy to use and it make it so simple to pay off extra or pay instalment early! I totally love it! You even save so much when you pay off extra, and now with the physical card it is faboosh! Well done Monzo Reviewed on: 3rd March 2023

SuperFlex

Is the Best in the WORLD and i Travel alot tx to monzo Reviewed on: 3rd March 2023

Best Bank Around

Best new generation bank I’ve been with, great evolving app. And friendly customer service. Reviewed on: 3rd March 2023

Very helpful innovation.

Can't say much but this innovation from Monzo helped me a lot in different ways. Requests and inquiries regarding Monzo Flex is taken seriously and actions done in a timely manner as well. Great job Monzo for creating Monzo Flex! :) Reviewed on: 3rd March 2023

Best credit card

Always there when I need a little extra or if I just want to pay in 3 interest free payment Reviewed on: 3rd March 2023

Easy and intuitive

Monzo Flex allows me to be flexible when I’m going to go slightly over my limit. It allows me to do it interest free (over 3 months) and it’s easy to pay off early. Reviewed on: 3rd March 2023

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