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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)

Monzo is a fantastic financial tool, the user experi...

Monzo is a fantastic financial tool, the user experience is simple and products offered are brilliant Reviewed on: 14th March 2025

Very helpful all the time never had a problem

Very helpful all the time never had a problem Reviewed on: 13th March 2025

Monzo flex is a game changer in the credit card market.

Monzo flex is a game changer in the credit card market. I highly recommend anyone to use it. It’s a great way to manage everyday spending and “flex” certain items to pay over a few months. Reviewed on: 13th March 2025

Simple, flexible and transparent

Simple, flexible and transparent Reviewed on: 13th March 2025

I loved it the way it operates, can be used by anyon...

I loved it the way it operates, can be used by anyone and the experience I had was so good Reviewed on: 12th March 2025

SEEN: a short story

So I have never had a decent credit card limit from other “proper banks” despite the fact that I do make efforts to keep payments up to date and use them responsibly… but with Monzo’s Flex Credit Card, I feel seen. Where other banks just point blank refuse consumers like me, Monzo has made me feel that I exist and that their platform helps me manage my finances better. Thanks Monzo! Reviewed on: 12th March 2025

Highly recommended

Good one, totally enjoy using and will keep recommending Reviewed on: 12th March 2025

Amazing.

Amazing. Gave me the chance to be a bit more flexible with my money, build a credit rating and pay off early if I could. Reviewed on: 12th March 2025

Very simple interface, super good ways to track spen...

Very simple interface, super good ways to track spending Reviewed on: 11th March 2025

Fantastic, the flex card has made managing money so...

Fantastic, the flex card has made managing money so much easier for me, it's not so overwhelming to pay for bigger purchases now. Reviewed on: 11th March 2025

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