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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2456 reviews)

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4.96

Based on 2,456 reviews, last reviewed 14th Apr 2025

64400% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Must have Credit Card! I’ve been really impressed with Monzo Flex so far. One of the features I really appreciate is the flexibility to adjust the amount I want to pay each ... Read more Reviewed on: 14th April 2025

Latest lowest rating:

1

Monzo. The most devious, incompetent bank in the UK. Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud pol... Read more Reviewed on: 4th March 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.

Monzo Flex Credit Card reviews (2456)

Review of the Monzo, Flex Credit Card:

A Refreshing Take on Banking

I’ve been using Monzo for about four months now, and honestly, I don’t think I could go back to a traditional bank. Before Monzo, I was with a high street bank that felt outdated—slow transactions, clunky app, and hidden fees. Switching to Monzo has been a breath of fresh air. Features & Benefits: Instant Spending Notifications – One of the first things I noticed (and loved) was the instant transaction alerts. The first time I used Monzo, I tapped my card at a shop, and my phone buzzed with the amount before I even put my card back in my wallet. It’s such a small thing, but it makes spending feel way more transparent. Budgeting & Savings Tools – I used to check my bank balance at the end of the month and wonder where did all my money go? But with Monzo’s budgeting feature, I can see exactly what I’ve spent on groceries, eating out, and subscriptions. I even set up a savings “Pot” for an upcoming trip, and rounding up spare change into it has added up surprisingly fast! Fee-Free Spending Abroad – I recently used Monzo while on a short trip, and it was a game-changer. No extra charges, no worrying about exchange rates—just tap and go. A friend got charged a sneaky 3% fee with their bank, but I paid exactly what I saw on the screen. Easy Money Transfers – Splitting bills with friends is effortless. Instead of dealing with long account numbers, I just send money instantly via Monzo, and they get a notification right away. Great Customer Support – I had a minor issue when a subscription took money out earlier than expected. I messaged Monzo through the in-app chat and got a helpful response within minutes. No call queues, no waiting on hold—just quick and friendly support. Drawbacks: Cash Deposits – I don’t use cash much, but when I tried to deposit some birthday money, I had to go to a PayPoint, and they charged me £1 for it. Not a huge deal, but something to keep in mind if you deal with cash often. No Physical Branches – Everything is digital, which is perfect for me, but if you like visiting a bank in person, Monzo might not be the best fit. Interest on Savings Could Be Better – While I love the savings tools, the interest rates aren’t the highest unless you open a savings account with Monzo’s partner banks. Final Verdict: After four months with Monzo, I can say it’s made banking way more intuitive and hassle-free. The app is sleek, transactions are instant, and the budgeting tools have genuinely helped me manage my money better. It’s perfect if you’re comfortable with digital banking and want more control over your finances. That said, if you handle a lot of cash or prefer traditional banking, it might not be the best option. But for me, Monzo has been an absolute win! Reviewed on: 3rd April 2025

I think that being able to have 3 months 0% interest...

I think that being able to have 3 months 0% interest is fantastic Reviewed on: 11th April 2025

perfect aid to your indulgence while being responsible

The Monzo flex is the perfect tool that allows you to explore your indulgences while being financially responsible. I love the flexibility it gives me to split my payments not just in the initial phase but also a couple of months later which allows me to plan my finances. Reviewed on: 11th April 2025

Brilliant Product!

Monzo Flex is a very straightforward product to use; very simple to set up and to use using the Monzo app. Fantastic flexibilty in using it online or with the physical card instore. Even further flexibility in being able to tailor repayment dates and amounts, or even pay early - and by far the biggest bonus, is being able to transfer an ordinary card purchase retrospectively onto Flex. Reviewed on: 11th April 2025

Amazing bank and amazing service

Amazing bank and amazing service Reviewed on: 11th April 2025

Very good

I'm very happy for the monzo Flex credit card Reviewed on: 11th April 2025

Great product which allows me to manage payments

Great product which allows me to manage payments until payday or pay over 3 months interest free, all within the app and with ease. It gives me control and freedom over my payments and allows me to track and budget for big spends and unexpected costs. I find that I have stopped using my other ‘actual’ credit cards now in favour of this as it is more transparent (in terms of interest and upcoming payments) and also more easily managed. Reviewed on: 11th April 2025

Clean and Simple.

Clean and Simple. Easy to use, gives great credit insights that other apps don’t give, would highly recommend, never had any issues Reviewed on: 11th April 2025

Perfect user interface, great functions especially w...

Perfect user interface, great functions especially with the instalment options and payment planning. Reviewed on: 11th April 2025

Flexible card gives freedom of choice

Flexible card gives freedom of choice Reviewed on: 10th April 2025

Great system and process.

Great system and process. Easy to do Reviewed on: 10th April 2025

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