Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2498 reviews)

View other Monzo products

4.96

Based on 2,498 reviews, last reviewed 26th May 2025

26% decrease 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

Monzo flex is very easy to use, I like the flexibili.. Monzo flex is very easy to use, I like the flexibility of the payment plan options whether you want to pay off earlier or extend the fees and interest... Read more Reviewed on: 26th May 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

Read all reviews See your review

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 (2498)

Review of the Monzo, Flex Credit Card:

With monzo you can feel at ease.

Can I say first of all. Monzo have been brilliant with the service they have provided for me. Helped me with a fraud refund and was there to listen. also love my flex card! Again brilliant!!! Reviewed on: 22nd February 2025

Its a nice app to manage.

Its a nice app to manage.i used monzo for every purchases and I really loved the flex card Reviewed on: 17th April 2025

Monzo is great

Always enjoyed using Monzo. Easy to use and great customer sert Reviewed on: 17th April 2025

Love the flexi credit card works perfectly for me

Love the flexi credit card works perfectly for me Reviewed on: 16th April 2025

Intuitive, slick and competitive.

Intuitive, slick and competitive. I'd recommend Monzo Flex to anyone wanting an evolved version of what a credit card can be. Reviewed on: 16th April 2025

The app is great, easy to navigate and shows everyth...

The app is great, easy to navigate and shows everything I need. The Flex card is the best financial product I've ever used. Reviewed on: 16th April 2025

Easy to use can see exactly where I am with flex and...

Easy to use can see exactly where I am with flex and loan calculator to help if you want to pay more shows then how much saved in interest keep pots for things amazing Reviewed on: 16th April 2025

Best in the game!

Best in the game!! A bank ahead in time with its continuing development Reviewed on: 16th April 2025

I've been using Monzo Flex credit card, and...

I've been using the Monzo Flex credit card for a bit now, and I've got to say, it's a rather clever bit of kit. The way it lets you spread out the cost of purchases is genuinely useful, especially for those slightly bigger spends. Being able to choose your repayment plan – whether it's over 3, 6, or 12 months – gives you a proper sense of control, and it's all laid out nice and clearly in the app. Speaking of the app, managing the Flex card through it is a doddle, just like the current account. You can see exactly what you've spent, what your upcoming payments are, and change your plans within certain limits, which is handy if your situation changes. What I particularly appreciate is the transparency. There aren't any sneaky hidden fees that I've come across, and the app makes it really obvious what the interest will be if you choose a longer repayment plan. It helps you make informed decisions, which is always a good thing. It integrated seamlessly with my existing Monzo account, which made the whole application process and day-to-day use really smooth. It feels like a natural extension of their banking service. For anyone looking for a flexible way to manage their spending and spread out costs without any fuss, the Monzo Flex credit card is definitely worth a look. It's straightforward, easy to manage, and puts you in control. Reviewed on: 15th April 2025

Easily the best credit product by a country mile.

Easily the best credit product by a country mile. Reviewed on: 15th April 2025

Monzo credit has to be one of the best credit cards...

Monzo credit has to be one of the best credit cards out there, it has a low APR and helps build your credit score and history. Reviewed on: 15th April 2025

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Card
from thinkmoney 1.25 from 2 reviews
Platinum Credit Card
from Lloyds Bank 4.25 from 48 reviews
Gold Credit Card
from American Express 4.48 from 24 reviews

There's still more to see!

Monzo has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub