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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2506 reviews)

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4.96

Based on 2,506 reviews, last reviewed 17th Jun 2025

75% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

4

.Easy access to credit - a little too easy Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over t... Read more Reviewed on: 17th June 2025

Latest lowest rating:

1

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.

Monzo Flex Credit Card reviews (2506)

Review of the Monzo, Flex Credit Card:

Best online banking

Best online banking and easy to use mobile app. Reviewed on: 3rd March 2023

Highly satisfied with my choice of the bank

Highly satisfied with my choice of the bank Reviewed on: 18th March 2025

Flex Credit Card Monzo -

Very user friendly, provides helpful information to help me understand how credit works + always finding new ways to benefit my experience Reviewed on: 18th March 2025

Amazing UX at no additional cost

Monzo has a very simple UX, they are one of the few players offering a multicurrency credit card in the UK, as well as being at the forefront of Flex innovation. And all this for no fee for the basic plan. Just brilliant! Reviewed on: 18th March 2025

Absolutely love Monzo.

Absolutely love Monzo. Completely changed the way I bank, from savings pots, early payday, to the flex account and now my Monzo investments account - their innovative products and amazing app means I have never had to speak to customer service once and I am much better at budgeting, saving and making my monlthy pay work for me and my family. Always recommending them to friends. Best bank I have used by a country mile. Reviewed on: 18th March 2025

Concept same as Klarna but with a twist

The concept of spreading the amount across multiple installment isn't new. Flex is same like Klarna but gives power to the user to decide how he/she wants to spread it across installments and also gives flexibility on moving monzo current account spend over to flex... Love it...been using this from the day of launch Reviewed on: 18th March 2025

Monzo flex should be the standard for a credit card,...

Monzo flex should be the standard for a credit card, each payment you make has a scheduled repayment cycle to help you avoid falling into the trap of not paying off the credit, 3 months interest free is also a godsend for those larger purchases you want to split and the early payment process is a breeze Reviewed on: 18th March 2025

I am using monzo primarily every day.

I am using monzo primarily every day. I am looking forward to every upgrade they got for their customers and offers. I have my savings with Monzo and is easy to use. Reviewed on: 18th March 2025

The flex card is great, not only does it offer you a...

The flex card is great, not only does it offer you a variety of ways to pay off it gives you a lot of flexibility. Reviewed on: 18th March 2025

Who needs any other app when you can use flex to bre...

Who needs any other app when you can use flex to break up into instalments - game changer Reviewed on: 18th March 2025

MonzoFlex is outstanding :)

MonzoFlex is outstanding :) been using it for a couple of years now for bigger purchases - such as a holiday for example, paying over 3 months so I don't pay interest. I don't have a credit card, so this has been the perfect solution for me! Absolutely super easy to use, and so convenient! Reviewed on: 18th March 2025

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