Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2500 reviews)

View other Monzo products

4.96

Based on 2,500 reviews, last reviewed 8th Jun 2025

44% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Monzo's Flex Card makes managing your credit respons... Monzo's Flex Card makes managing your credit responsibly a breeze. Fully transparent app keeping you in the loop with many options if you want to pay ... Read more Reviewed on: 8th 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

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 (2500)

Review of the Monzo, Flex Credit Card:

Excellent bank all-round

The tools offered by Monzo really helped me to budget my way out of debt. The team were extremely supportive of me following a romance fraud, even helping me find a therapist. Flex is an excellent service, helping me get back on my feet. Reviewed on: 3rd March 2023

Easy to apply for and use!

Easy to apply for and use! Using it on a day to day basis is easy and the repayment options either in full or instalments are great. Finally the ability to change from paying in full to instalments and the flexibility it supplies is great. Reviewed on: 17th April 2025

It’s just amazing.

It’s just amazing. I love the app and the features. App is easy to use and straight forward. Flex is amazing. The fact you can pay over 3 months interest free too, just wow! Reviewed on: 17th April 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

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 The Co-operative Bank 2.74 from 35 reviews
Freedom Rewards Credit Card
from Barclaycard 3.88 from 60 reviews
Clear Rate Platinum Credit Card
from NatWest 4.53 from 18 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