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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2397 reviews)

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4.96

Based on 2,397 reviews, last reviewed 7th Apr 2025

58800% increase 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

Monzo is so easy to use and easy to navigate around. Monzo is so easy to use and easy to navigate around. The app wants you to save money naturally and is an exciting approach to finance. The services ar... Read more Reviewed on: 7th April 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 (2397)

Credit card with flexible payments

Being able to split any purchase with 0% over 3 months is great. Not worried about any surprise bills / purchases Reviewed on: 15th February 2023

Flex is the best BNPL

Flex is the best BNPL it is the most responsible BNPL out there Reviewed on: 15th February 2023

Flex is the best BNPL service

Monzo offers the best BNPL service Reviewed on: 15th February 2023

Changed my relationship with borrowing for the better!

Monzo Flex is wonderfully designed and has made the cost of borrowing much clearer than traditional credit cards. I also know exactly how long it will take me to repay what is outstanding and this has made it so I borrow more responsibly. It's flexibility is unbeaten with me being able to pay overtime for past purchases as well as new and I have found the ability to overpay and know how much interest I will be saving to be immensely helpful and encouraging sensible use of credit unlike other cards. A game changer! Reviewed on: 15th February 2023

Flex is what all credit cards should offer

Flex is such a great customer product. From clearly illustrating how to use flexible credit for purchases it has empowered me to be in control of my finances. Reviewed on: 15th February 2023

Flex is the way forward

Such a great concept and it has been delivered in a way that has the end user in mind. Can't fault it! Reviewed on: 15th February 2023

Great

Very good product - thank you Monzo. Reviewed on: 15th February 2023

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