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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

98% 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)

The way credit cards should be done!

Monzo Flex is a cool product that many people like to use to manage their money. It's flexible, has lots of useful features, and the customer service is great. This makes it a good option for people who want a modern and digital banking experience. Reviewed on: 3rd March 2023

No Brainer

Break down payments over-time. I personally use it to break up big purchases and then keep the money in my savings pots to earn Interest until it’s time to pay make re-payment. :) Reviewed on: 3rd March 2023

Handy extra

I got monzo flex on a whim but I’m so happy I did. It’s made life easier when it comes to big purchases. It’s easy to track my payments and if I want to pay off early I can do! Reviewed on: 3rd March 2023

Monzo is a financial backbone

Hi, Myself Thirumoorthi Arumugam. I am an analytical development scientist in bristol laboratories ltd, England. I just opened a bank account in monzo on 2021 January. I thought bank is just for money savings money transferring platform for everyone without any partiality. But monzo account proved and made me healthier stronger mentally and physically. I didn’t dependent anyone even my family members but Whenever I struggled financially monzo gave his hand as support.!!! I have got loan when I was in very poor financial status and I used that money for my brother wedding function in india. And again, I got monzo flex for my purchase and it made my shopping easier and flexibly.!!! And I have got overdraft , I felt very happy to stay with monzo coz all the bad situations monzo was very helpful.!! And I paid my all university fees with the help of monzo .!!!! Monzo, it’s not just a bank it is a very supportive financial organisation for all the people who is really needed support.!! Thank you monzo I love you Reviewed on: 3rd March 2023

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

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