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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)

Monzo gives me what I need every day

I didn’t know I needed Flex until I realised that I had the same functionality with at least 4 other providers. I wanted all of it in one place. Flex does just that. Credit on my terms. 3 months free (and 2 free 6 months gifts at Christmas!!) and when I’ve spent a little more than I budgeted for i can flex it again to pay a little interest to spread it out. But the real joy is seeing those interest payments slashed when I pay it back early. I can see all of my financial life in the app including any borrowing with other banks including my mortgage. When I wanted to consolidate some cards, the Monzo loans made it simple and as I knew I was prequalified it took the Reviewed on: 3rd March 2023

Brilliant

I have been with monzo since virtually the beginning, it started great and it still is. Reviewed on: 3rd March 2023

Monzo makes life EASY

Everything is easy and straightforward I also get paid a day early!! Reviewed on: 3rd March 2023

Honest and transparent

I love Monzo Flex as I feel I have total control over my borrowing. Not only can I pay in 3, I can flex almost anything I’ve recently paid in full for, and pay over longer instalments if I so wish. I can see what I owe, and pay off early if I want to. Amazing product! Reviewed on: 3rd March 2023

Efficient

I have been banking with so many banks, but monzo is exceptional. everything about there services is second to known. Reviewed on: 3rd March 2023

Flex

it's difficult to get flex but its Good if you have one Reviewed on: 3rd March 2023

Amazing type of borrowing

Split the payment over 3 months with no interest or longer if needed. Add and remove payments at will. See everything clearly laid out as well as each month's payment adapting in real time. What more could you want? Reviewed on: 3rd March 2023

Excellent and innovative

It’s been the best decision to swap to Monzo. It’s innovative and intuitive; I’ve never felt more in control of my money. Reviewed on: 3rd March 2023

Monzo Flex is so easy to use

Monzo Flex is so easy to use! It makes it very clear and simple how much it will cost per month and how much interest if any you would pay. Reviewed on: 3rd March 2023

Better than a credit card

Monzo flex is really easy to use, budget and spread the cost on larger purchases. It's easier to view your account as well since I ordinarily bank with Monzo anyway. Reviewed on: 3rd March 2023

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