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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)

Brilliant

Brilliant idea from a brilliant bank. It's like Klarna, but more flexibility and no check every time Reviewed on: 3rd March 2023

Innovative! Daring! Excellent! Inspiring!

I've come to rely a lot on Monzo Flex and as someone who spent over a decade in banking, Monzo Flex's approach to credit and the ever competitive BNPL industry is something which many have been unable to clinch - competitively sustainable and innovative. It is convenient, transparent, innovative, engaging and changes the rhetoric around banking. I can't imagine a more inspiring product and wholeheartedly recommend their bravery in sticking to their approach. Reviewed on: 3rd March 2023

Very helpful account to manage credit affordably

I set up my Monzo flex account before Christmas to help manage spending over the Christmas period. The flex account allowed me to spread my credit payments over 3 months interest free, or over longer periods with interest. The app makes managing this so simple, and I can clearly see the breakdown of all my purchases into monthly payments. Reviewed on: 3rd March 2023

Very helpful

I cannot believe a bank is so helpful and flexible with its customers, it has been such a relief and so helpful. Reviewed on: 3rd March 2023

Fantastic bank

Monzo is a wonderful bank, full of innovation. It is banking made easy, the flex feature is a amazing and helps me to budget larger purchases. Reviewed on: 3rd March 2023

Flex

I can’t get enough of Monzo they are excellent. The flex is brilliant little gem of 3 months interest free Reviewed on: 3rd March 2023

Great bank

Easy to use and easy to speak to someone if you need! Reviewed on: 3rd March 2023

Couldn't live without it

Flex has been saving my bacon for a couple of years now - its one thing that it works, its another that its so simple to use and manage. Its why i'd choose monzo over anything else! Reviewed on: 3rd March 2023

Outstanding

Best bank I've ever used, customer service 2nd to none Reviewed on: 3rd March 2023

Amazing Bank

Love how simple monzo operate! No hidden charges or gimmics! Reviewed on: 3rd March 2023

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