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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2506 reviews)

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4.96

Based on 2,506 reviews, last reviewed 17th Jun 2025

75% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

4

.Easy access to credit - a little too easy Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over t... Read more Reviewed on: 17th 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 (2506)

The best online expierience.

The best online expierience. The app is great and easy to use. Love their current account and flex credit card. Love the insights they provide and variety of offers. Reviewed on: 18th March 2025

I’ve been obsessed with the Monzo since day 1.

I’ve been obsessed with the concept of personalised banking since I joined Monzo. The ease of using the app and giving you practical tips without overcomplicating it is what old school banks don’t do! Reviewed on: 18th March 2025

Monzo's credit card is revolutionary.

Monzo's credit card is revolutionary. It far outweighs any other credit product from other banks because of it's integration with my current account and because I can stretch out payments over three months AND not pay ridiculous charges when travelling. Reviewed on: 18th March 2025

Flex is great but very low credit limits

Flex is a great product, but very difficult to get higher credit limits when you have 5x credit limits already with other credit cards. Reviewed on: 18th March 2025

Keeps me on top of my Credit Rating

Having not the best credit rating initially, Monzo has built my credit score up, provided sensible adjustments - Flex, Overdraft and its something that I can track in real time thanks to the amazing app. Reviewed on: 18th March 2025

Flex helps me choose certain big purchase items to b...

Flex helps me choose certain big purchase items to be paid over time (interest free for 3 months) . I like to keep my credit card always paid off otherwise every month. Flex helps me to manage my cash flowing based on my income. Reviewed on: 18th March 2025

Always helpful and quick to response

Always helpful and quick to response Reviewed on: 18th March 2025

Great offering 3 months interest free, helping you m...

Great offering 3 months interest free, helping you make big purchases and not having to stress Reviewed on: 18th March 2025

Having this card is a life saver and it flex not jus...

Having this card is a life saver and it flex not just by that it flexible payment with no interest and less interest even if charge Reviewed on: 17th March 2025

Great app, wonderful services, very very beautiful a...

Great app, wonderful services, very very beautiful and friendly UI Reviewed on: 15th March 2025

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