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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

77% 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 it

I love it and they sponsor my favourite football club Reviewed on: 28th February 2025

Best serice i have used 10/10 would recommend monzo

Best serice i have used 10/10 would recommend monzo Reviewed on: 28th February 2025

Clever Product and Great UI.

Clever Product and Great UI. Well designed Reviewed on: 28th February 2025

Excellent offering and money saving if you apply it...

Excellent offering and money saving if you apply it correctly Reviewed on: 28th February 2025

Everything perfect!

Everything perfect!! Keep on like this!!!! Reviewed on: 28th February 2025

Monzo are great.

Monzo have given me a chance to build my credit score back up. They are a great bank who seem to value their customers. Thank you. Reviewed on: 27th February 2025

I find the flex product very easy to use, I can tail...

I find the flex product very easy to use, I can tailor my payments easily, use it in stores and online and I love how I can choose repayment profile after paying for something Reviewed on: 27th February 2025

The Flex credit card is great for smaller purchases

The Flex credit card helps with those smaller purchases and spreads the cost out easily. Treated your pals to dinner before payday? Flex it! Eyeing up those gig tickets? Flex it. It's really easy to see how much you've spent, and the upcoming payments are transparent, with regular reminders before payment day Reviewed on: 26th February 2025

Market leading customer experience

I love the flexibility of this product, having the ability to set default interest free payments and using the new apple pay integrations for instalments has been very valuable to me. Reviewed on: 26th February 2025

Very clear communication, easily understandable and...

Very clear communication, easily understandable and great customer options available with the new flex credit card. Reviewed on: 26th February 2025

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