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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2505 reviews)

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4.96

Based on 2,505 reviews, last reviewed 13th 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

Instant credit granted when I needed it. Instant credit granted when I needed it. Reviewed on: 13th 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 (2505)

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

Great service with innovative app features

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

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

Very good bank

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

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

Great App

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

amazing budgeting bank

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!

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

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

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