Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2486 reviews)

View other Monzo products

4.96

Based on 2,486 reviews, last reviewed 22nd Apr 2025

67400% increase 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

Best Credit Card I Ever Had The Monzo flex credit card is the best credit card experience I have ever had! The ability to flex purchases individually, and also to decide to flex ... Read more Reviewed on: 22nd April 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 (2486)

Review of the Monzo, Flex Credit Card:

Monzo No. 1 Fan

Used for 4 years. Lots of innovative new products. Good interest rates and easy to use savings and investments. Can get everything in one place. Overall highly recommended Reviewed on: 18th March 2025

Must have Credit Card!

I’ve been really impressed with Monzo Flex so far. One of the features I really appreciate is the flexibility to adjust the amount I want to pay each month. It’s a great way to stay on top of my finances without affecting my credit score, which gives me peace of mind. I also love how Monzo gives clear reminders before any money is taken out. It helps me stay organized and avoid any surprises. On one occasion, I unexpectedly missed a payment, but the customer service team was incredibly helpful. They guided me through using features in the app to make sure the missed payment didn’t affect my credit score. That kind of support really makes a difference. Overall, it’s a user-friendly and thoughtful service that puts you in control. Reviewed on: 14th April 2025

Great rates including 0% interest options, flexible...

Great rates including 0% interest options, flexible monthly instalments. They educate you on the product using a short, simple and engaging PowerPoint style educational piece on the app. Reviewed on: 14th April 2025

Very smooth experience no set back.

Very smooth experience no set back. Never had an issue with customer service and it’s the best travel card to get. Reviewed on: 14th April 2025

Managing my money has never been easier

I absolutely love Monzo! Managing my money has never been easier. I love all the features and perks, and recommend it to all my friends. Reviewed on: 14th April 2025

The Flexi credit card is a game changer!

The Flexi credit card is a game changer! It’s lets you borrow money short term without getting into a rut with snowballing interest. Reviewed on: 14th April 2025

Very smart and efficient banking

Very smart and efficient banking Reviewed on: 14th April 2025

Been with Monzo since I was in school, still love it...

Been with Monzo since I was in school, still love it just as much today Reviewed on: 13th April 2025

Flex has completely changed the way I manage money.

Monzo Flex has completely changed the way I manage my money – in the best possible way! Flex gives me the freedom to spread payments with zero hassle, and the control to stay on top of my spending without falling behind. It’s quick, smooth, and incredibly transparent, no hidden fees, no stress. I used it recently for a bigger purchase I would have otherwise delayed, and the process was seamless. Within seconds, I had split the cost and could track everything right from the app. It’s smart, simple, and genuinely empowering. Monzo Flex isn’t just a feature, it’s a financial game changer. Reviewed on: 13th April 2025

I really like the card - comes with great flexibility

I really like the card - comes with great flexibility and easy to make payments so you can use it interest free if you need to but also get longer to pay it back. It’s easy to pay off individual purchases or the card overall and I quite like this approach Reviewed on: 13th April 2025

Always easy to talk too solve problems quickly Haven...

Always easy to talk too solve problems quickly Haven’t had to use customer service oftenJoined Monzo last year it’s been very easy to understand. Reviewed on: 13th 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

Student Credit Card
from NatWest 4.31 from 6 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews
Credit Card
from Argos 3.19 from 53 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