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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)

I love Monzo always have done

I love Monzo always have done and always will do. It is simple to use, I can have absolutely everything in the same place & it allows me to track absolutely everything. I genuinely cannot sing Monzo's praises enough. Reviewed on: 11th March 2025

Great facility, high street banks should absolutely...

Great facility, high street banks should absolutely catch up with monzo on this Reviewed on: 11th March 2025

it very helpful financial bank loan and customer ser...

it very helpful financial bank loan and customer service is great Reviewed on: 11th March 2025

Monzo Flex

I think Monzo Flex Credit card is very helpful. It helped me split payments as it gives me different options for the payments(pay in 3 or 6 payments, pay in 30 days). As well as different amount limit that can be changed for higher or lower. Reviewed on: 11th March 2025

The flex card works so well for me, I love the flexi...

The flex card works so well for me, I love the flexibility of the repayment options! Reviewed on: 11th March 2025

Monzo Flex makes it so simple to manage.

Monzo Flex makes it so simple to manage. Clear and upfront about interest charges and if you chose to pay some off early how much that saves you over the course of the payment plan. Reviewed on: 11th March 2025

Big up the monzo.. (except they’re max account)

I use monzo for my current account, joint account, flex account, a personal loan, cashback and more. I find the app and their systems really and simple to use and informative along the way. The monzo flex is great. I use it all the time especially toward the end of the month and having the option to interest free credit over 3 moths is great for cash flow, especially with how expensive life is these days. I do think their max and perks account are not competitive though. Whilst I’d love to use those services, I can’t justify moving away from my current benefits account with Virgin Money. Reviewed on: 11th March 2025

It's so easy to use and very transparent.

It's so easy to use and very transparent. Truly great!!! Reviewed on: 11th March 2025

Flex is absolutely fantastic.

Flex is absolutely fantastic. I use it for bigger buys and always opt to pay it back in the first 3 months to avoid interest on the purchase. Love it Reviewed on: 11th March 2025

I’ve been using Monzo for over a year now.

I’ve been using Monzo for over a year now. The app is sleek, intuitive with real-time notifications and those handy spending categories. I love how I can freeze my card instantly if I misplace it—no stress, no fuss. Their customer service is quick, friendly, and human. Monzo feels like a bank that actually gets me—simple, transparent, and genuinely helpful. Couldn’t recommend it more!” Reviewed on: 11th March 2025

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