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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)

Flexible payments to get a grip on your finances

With money pots and flex payments with intrest free payment it's helped me get on top of my finances with ease. For the first time in years I have actual savings in my account at the end of each month. Never been able to do that with any other traditional bank and boy have I tried. Reviewed on: 11th March 2025

Monzo Flex: The Ultimate Payment Freedom

I’ve been using the Monzo Flex Card for a while now, and it has genuinely changed how I manage my finances. Monzo has once again delivered a product that combines convenience, transparency, and flexibility—all in one. One of the standout features is the ability to spread payments over 3, 6, or 12 months with no interest on 3-month plans. The process of selecting the payment plan is incredibly intuitive and takes just a few taps in the app. Plus, there are no hidden fees or surprises—everything is laid out clearly before you commit. What I love most is the seamless integration with my Monzo account. I get instant notifications when I make a purchase, and the app keeps track of my installments, so I always know how much I’ve paid and what’s left. It’s perfect for budgeting larger expenses without feeling overwhelmed. Another huge plus is the flexibility to use Flex for both online and in-store purchases. Whether it’s unexpected costs or planned buys, Monzo Flex takes the stress out of managing payments. Customer support is also excellent—Monzo’s team is responsive and helpful whenever I have questions. Overall, I couldn’t be happier with the Monzo Flex Card. It’s a must-have for anyone looking to stay on top of their finances while spreading the cost of bigger purchases. Highly recommend! Reviewed on: 11th March 2025

Things are hard at the moment, I’m a single mum who...

Things are hard at the moment, I’m a single mum who works full time and I can’t always afford things when I need them. Flexi gives me the chance to buy new school shoes when needed without having to pay any interest or use credit cards. Reviewed on: 10th March 2025

Best interface and easy to use

I like Monzo. It’s easy and simple to use with minimal hassles. Reviewed on: 10th March 2025

Everything works, and works well.

Everything works, and works well. It’s all really straightforward. Reviewed on: 10th March 2025

One of the most easy and reliable

One of the most easy and reliable Reviewed on: 10th March 2025

Very flexible and easy to use product.

Very flexible and easy to use product. Really liked the ability to use interchangeably with my other products from the bank. The product feels highly user-friendly. Reviewed on: 10th March 2025

Best bank I’ve been with!!

Easy to use and understand customer service is fast and reliable Reviewed on: 9th March 2025

Easy peasy

Everything is made so simple and easy to use. Also I like the fact I haven’t needed to call anyone to resolve any issues. I can do everything I need thought the app. To me that is great service…..I only call a company when I can’t deal with their website/app Reviewed on: 8th March 2025

Excellent banking, excellent customer service.

Excellent banking, excellent customer service. Reviewed on: 8th March 2025

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