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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

79% 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)

Monzo Flex, a great credit card

The Monzo Flex Credit Card is amazing for working on improvimg my credit score as long as it's used responsibly. The fact I can split my spending in three interest free payments at no cost as a free user is simply amazing and comes in handy when I am either short at the end of the month or want to plan bigger purchases. The only downside is, I set my payment date for the 28th of every month, and it is always early or late, never on the 28th when I requested it to be. Apart from that, it is an amazing credit card that is widely accepted and easy to use. Another downside is I cannot use it to pay for PayPal Friends and Family payments, which would be amazing if it were possible. Reviewed on: 26th February 2025

I really like using my Flex card!

I really like using my Flex card! Reviewed on: 26th February 2025

Really good value for money and good reply’s to quer...

Really good value for money and good reply’s to queries- very quick to resolve Reviewed on: 26th February 2025

Smooth and easy bankinh with great customer value

Smooth and easy bankinh with great customer value Reviewed on: 26th February 2025

Good basic credit card but no rewards or frills

I like being able to split larger payments interest free over time. In some other banking apps (Lloyds) it can be hard to find the minimum payment amount due on the credit card which is frustrating but I don't have that problem with the Flex card. There aren't any rewards associated with it. Reviewed on: 26th February 2025

Monzo flex is unique and amazing in how it works

Monzo flex is unique and amazing in how it works Reviewed on: 26th February 2025

an incredible experience that rarely happens at othe...

an incredible experience that rarely happens at other banks Reviewed on: 26th February 2025

Banking and using monzo flex credit has made my spen...

Banking and using monzo flex credit has made my spending experience great and its saving lives. Reviewed on: 26th February 2025

I started using Monzo flex and this became my primar...

I started using Monzo flex and this became my primary payment method. Provides deep insights and flexibility Reviewed on: 26th February 2025

Is very easy to work with monzo, i like it i recomen...

Is very easy to work with monzo, i like it i recomend it to every one Reviewed on: 26th February 2025

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