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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2510 reviews)

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4.96

Based on 2,510 reviews, last reviewed 12th Jul 2025

97% decrease in 5 star reviews

in the past 90 days

100% decrease in 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:

2

The most Useless CC I am trying to use Monzo flex credit card and where ever I've tried to use it and that's multiple places it doesn't allow me to use it. It's the most ... Read more Reviewed on: 4th June 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 (2510)

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

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

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