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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2507 reviews)

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4.96

Based on 2,507 reviews, last reviewed 4th Jul 2025

80% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Monzo Flex feels like it works for you, unlike others Monzo Flex is a super simple credit card that actually feels like it’s working for you and helping you, rather than other card providers who try to ca... Read more Reviewed on: 4th July 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.

Monzo Flex Credit Card reviews (2507)

Review of the Monzo, Flex Credit Card:

Best online banking

Best online banking and easy to use mobile app. Reviewed on: 3rd March 2023

I've been with Monzo for 6 years, im so glad I decid...

I've been with Monzo for 6 years, im so glad I decided to bank solely with them as they are the best bank ever Reviewed on: 4th March 2025

Easy to manage usage, interest rate explained in sim...

Easy to manage usage, interest rate explained in simple terms, Reviewed on: 4th March 2025

Monzo Flex is a great option

Monzo Flex is a great option for managing payments more flexibly. The ability to split purchases into 3, 6, or 12 monthly payments with clear, upfront fees is wonderful, and the integration within the app makes tracking spending easy. No fees on three-month plans is a plus. Reviewed on: 4th March 2025

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 policy are pitiful, and they have no interest in resolving issues. I was a loyal customer for 4 years. I had a paid current account and monzo flex credit card. I got defrauded on the card. Dealing with Monzo was excruciating. You cannot phone them, only chat on their app and they don't do real-time. There are one, two, four hour gaps in communication. You could be talking to someone, then they log off, and you have to start with someone new. I have never experienced such poor service from a bank in this regard. After a full week of wretched support, chat conversations over 12 hour days and following all their recommendations to reinstall app and reset account, I got stung with an apple pay set-up request and defrauded by £1800. Another week, and Monzo's response was that i was the only person who could have authorised the payment, so they would not refund the fraud. I then got a message on the app saying they were closing my account, and they expected payments to me made on the amount defrauded. I reported Monzo to the financial ombudsman, who found in my favour and I got the money back with a small amount of compensation that was not worth it for the amount of time I spent dealing with the issue. The victim support team told me that they see loads of the same type of issue with Monzo and their social media is full of posts from people who experienced the same appalling treatment I did, normally over fraud transactions that Monzo refuse to recognise. I would never use or recommend Monzo the pretend bank. They are the worst organisation I have ever dealt with, period. Avoid like the plague. If you have any issues at all, Monzo will throw you under the bus. Reviewed on: 4th March 2025

Amazing, easy, simple, lovely layout, amazing tools !

Amazing, easy, simple, lovely layout, amazing tools ! Just great Reviewed on: 3rd March 2025

Fantastic app!

Monzo offers a lot as a banking app, I like the fact that i can invest, save and even use their flex card as well. They have been introducing cashback offers slowly which hopefully will be available for the future with more retailers. Reviewed on: 2nd March 2025

Monzo is fantastic, finally feel in control of my money

Monzo is fantastic, I've never been in better control of money as I have now Reviewed on: 2nd March 2025

Excellent, customer focused bank

Excellent, customer focused bank Reviewed on: 2nd March 2025

Fab user experience, best British bank.

Fab user experience, best British bank. Customer service is very good Reviewed on: 1st March 2025

Seamless and quick.

Seamless and quick. Monzo breaks the traditional banking methods which is great Reviewed on: 1st March 2025

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