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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2503 reviews)

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4.96

Based on 2,503 reviews, last reviewed 12th Jun 2025

46% 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

Friendly options, transparent payment options. Friendly options, transparent payment options. I can use it for everything, personalized. Reviewed on: 12th 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.

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Monzo Flex Credit Card reviews (2503)

Best bank ever

I will recommend this to everyone , because none of the bank never give the opportunity to pay back the amount in 3 months without charging any interest, so helpful. Reviewed on: 3rd March 2023

A modern bank where everything is clear

An outstanding company that have always done the best with my money, and continues to innovate to provide new features. The Flex feature is easy to use and everything is clear Reviewed on: 3rd March 2023

Easy, straightforward budgeting

Absolutely love Monzo, but particularly Flex. It’s easy to use, simple to understand and means I can control how/when I use and repay anything I’ve flexed. Reviewed on: 3rd March 2023

Simple, Intuitive Design

The flex feature is laid out as if a person using it has actually designed it. No jargon, just simple and easy to use. Reviewed on: 3rd March 2023

So glad I found Monzo

I've been with Monzo since 2018 and have loved every minute of it. The app has amazing features and customer service. It's my go-to for budgeting and lets me have fun with banking! Reviewed on: 3rd March 2023

It is a very good bank that is worth having, and it also provides many benefits for its customers.

It is a very good bank that is worth having, and it also provides many benefits for its customers. Reviewed on: 3rd March 2023

Best bank in the UK

Monzo is amazing. The products they are perfect and so clear and easy to understand. It makes managing money so easy. Reviewed on: 3rd March 2023

Amazing for managing money

Monzo flex is a great tool that allows me to split large purchases into smaller monthly payments and without any interest added on a 3 month term! Always great for doing shopping right before payday or when your in a pinch. Reviewed on: 3rd March 2023

Monzo flex is great

Really works like I want it to work, unlike most other banking products I’ve used Reviewed on: 3rd March 2023

Best BNPL bank

Since I have been using Monzo flex it has made my life a lot easier Reviewed on: 3rd March 2023

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