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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

96% 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

The flex credit card is a great card and easy to use.

The flex credit card is a great card and easy to use. The fact that you can see it all in the app and it clearly states when your payment is due. You can pay it from a pot too which is great for budgeting. Reviewed on: 12th February 2025

A breath of fresh air.

A breath of fresh air. I will be moving all my banking over to Monzo. Really easy to use and work with Reviewed on: 12th February 2025

The best card ever

Being so flexible this card is by far the best. Reviewed on: 12th February 2025

Monzo has revolutionised how I manage my finances.

Monzo has revolutionised how I manage my finances. I’d be lost without it now. The pots system and the Flex pay in installments card are so useful for keeping me within budgets and cash flow. Investments and savings features make putting money aside so easy. I was recommended Monzo by my accountant and I tell everyone it’s the best piece of advice I’ve ever had. Reviewed on: 12th February 2025

Good start service exilent they give much time for r...

Good start service exilent they give much time for re paid Reviewed on: 12th February 2025

excellent services, overdraft, credit card, I have r...

excellent services, overdraft, credit card, I have recommended it to many co-workers and family Reviewed on: 12th February 2025

Really good tech.

Really good tech. Really reliable. I get notifications on my watch from Monzo before the transaction on the card machine goes through! Excellent speed and great UI. Helps me to bring together all of my accounts in one place and categorise it as well as budget across all my cards and accounts. Reviewed on: 12th February 2025

Best Experience

Seamless experience, very easy manage my money and do any transactions Reviewed on: 11th February 2025

Amazing product given its age.

Amazing product given its age. Very easy to use. Very clear on any charges for interest which would apply (before you need to finalise any decision), very clear as to what the costs would be especially if any extensions on the credit period are being considered. Only thing that would make it better would be if any additional payments made over the monthly amount due could be applied to the next upcoming monthly payment (rather than the final payment due) Reviewed on: 11th February 2025

Great and easy to use.

Great and easy to use. I just really like it Reviewed on: 11th February 2025

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