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Monzo: Flex Credit Card reviews

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
See only 5 star reviews
98%
See only 4 star reviews
2%
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0%
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0%
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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
Rita P's avatar
Rita P

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
JN's avatar
JN

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)

Great service with innovative app features

5
The app makes it easy to see my account summary and lets me see my upcoming payments, adjust my payment amounts, pay off extra or settle payment plans immediately with an intuitive interface. Other accounts I have make this a lot harder with instalment plans (especially barclaycard) Reviewed on: 3rd March 2023

Easy to use, efficient and makes banking simpler

5
From categorising to acknowledging payments, monzo seems to do it all. Reviewed on: 3rd March 2023

Very good bank

5
Has loads of insights on your money, budgeting and spending. Comes in very handing when dealing with bills Reviewed on: 3rd March 2023

Easy and simple

5
Everything to do with monzo is easy, simple and efficient Reviewed on: 3rd March 2023

Great App

5
App is really good and customer service is really responsive. Reviewed on: 3rd March 2023

amazing budgeting bank

5
They are very good for budgeting however i’ve noticed that sometimes the notifications and the app layout being very focused on balance can be more stressful than good as i notice it go down more compared to other banks i have Reviewed on: 3rd March 2023

Monzo is the bank I always imagined!

5
I have been using Monzo for a long time now, and I can for sure say that it’s one of the best banks, my personal favourite is the integration with Wise for international transfers! Reviewed on: 3rd March 2023

Absolutely goated

5
Great app, useful features, friendly and helpful support. What’s not to love. Reviewed on: 3rd March 2023

So innovative

5
The best bank there is! Always innovating and helping people do more with their finances. Reviewed on: 3rd March 2023

Amazing. Best bank ever

5
I have been with Monzo for years now. They are the best bank to go with. Highly recommend Reviewed on: 3rd March 2023

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