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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)

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

Flex is Best

I love ❤️ Monzo Flex Reviewed on: 3rd March 2023

Excellent and easy to use

Excellent and easy to use, no hassle and clear instructions Reviewed on: 3rd March 2023

Excellent bank all-round

The tools offered by Monzo really helped me to budget my way out of debt. The team were extremely supportive of me following a romance fraud, even helping me find a therapist. Flex is an excellent service, helping me get back on my feet. Reviewed on: 3rd March 2023

Best account management

Of all the banks monzo makes it the easiest to understand and manage your finances and borrowing. Reviewed on: 3rd March 2023

Monzo is reinventing banking for the better

I honestly can't think of a better bank to be banking with. Takes minutes to set up an account, it's filled with features that rival other high street banks and Monzo Flex is a game changer. Being able to flex yearly payments or even your local shopping over 3 months gives you peace of mind, who needs credit cards when you've got Monzo. Reviewed on: 3rd March 2023

Monzo Flex is Revolutionary

Mozno flex has introduced a new way of banking! It has allowed got better cash flow management and its simplicity allows for easy use. I only use monzo flex now and it is the best thing since sliced hread! Reviewed on: 3rd March 2023

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