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Monzo: Flex Credit Card reviews

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
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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0%

Latest highest rating:

5

Instant credit granted when I needed it. Instant credit granted when I needed it. Reviewed on: 13th June 2025
Andrew D's avatar
Andrew D

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 (2505)

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

Simple and useful BNPL

5
A clear and simple BNPL credit card with decent interest rates and 3 payment interest free period. Reviewed on: 3rd March 2023

Best bank

5
It’s been a smooth ride with MONZO, never experienced difficulties accessing funds or my money. They are the best online bank out there Reviewed on: 2nd March 2023

First time loan for an immigrant freelancer

5
Monzo is the first bank that allowed me as an immigrant freelancer to take a loan like that and split my payments over time. Thank you! Reviewed on: 2nd March 2023

Flex is flexible

5
Flex is super flexible and helps me manage spending, especially a few days before pay day! Reviewed on: 2nd March 2023

Spreading the cost

5
Flex allows you to spread the cost of the more expensive purchases it’s brilliant well done Monzo a forward thinking bank Reviewed on: 2nd March 2023

Best bank ever

5
I was hesitant to join Monzo originally as it was all online, and I was concerned it wouldn’t be above board. How wrong I was. Not only is it the easiest bank to use and access from anywhere, but with being able to create savings pots I am doing so much better with my finances. Would recommend to anyone!! Reviewed on: 2nd March 2023

It just works and it does it fantastically

5
Some banks think having people to talk to is a selling point, with Monzo I can do everything myself without ever having the need to call customer services. Flex in particular is so useful in these challenging financial times. Reviewed on: 2nd March 2023

I love flex

5
Amazing product that helps me budget and stay in control, by Klarna. Reviewed on: 2nd March 2023

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