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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2510 reviews)

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4.96

Based on 2,510 reviews, last reviewed 12th Jul 2025

91% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Monzo is great! Love the Monzo app, one of the best banking apps out there. So easy to use and manage your finances and super modern. Also love the flex credit card a... Read more Reviewed on: 12th July 2025

Latest lowest rating:

2

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 (2510)

Review of the Monzo, Flex Credit Card:

Best online banking

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

Great Bank

Never had any problems since using Monzo. Very easy to use and have access to credit to make purchases with flex. Reviewed on: 17th February 2025

Flex is awesome

I never liked offerings like Klarna or PayPal Credit etc for "pay-in-three" type credit agreements, but Monzo Flex has created a way for me to pay flexibly at a reasonable rate and change my mind if I need to. Being able to Flex any* transaction from my current account retroactively up to 14 days later or pay off individual credit purchases is great. Reviewed on: 16th February 2025

Customer centric approach and support

Great interest offer, and most importantly timeline to pay off borrowed amount. Customisable pay back plan, and customer centric approach and support. Reviewed on: 16th February 2025

You have given me a chance to make special memories...

You have given me a chance to make special memories with the family , and allow me to budget for the extras Reviewed on: 16th February 2025

I used Monzo credit card to boost my credit score th...

I used Monzo credit card to boost my credit score the 3 monthly split payments make it easier to keep track of spending and make that I pay back on time. The money pots are also great for saving for specific needs rather than one big saving that will often get dipped in and out. Reviewed on: 16th February 2025

Monzo flex is so easy to use, way better than a trad...

Monzo flex is so easy to use, way better than a traditional credit card. Reviewed on: 16th February 2025

It is amazing card and everything is easy well done...

It is amazing card and everything is easy well done Monzo it’s really good Reviewed on: 15th February 2025

Excellent card and I’m using all the time.

Excellent card and I’m using all the time. Reviewed on: 15th February 2025

Easy to use good quality app and services

Easy to use good quality app and services Reviewed on: 15th February 2025

Yes its very amazing and i like it

Yes its very amazing and i like it Reviewed on: 15th February 2025

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