Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2101 reviews)

View other Monzo products | Find out more about this product

4.96

Based on 2,101 reviews, last reviewed 11th Feb 2025

4157% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I love how you can do interest free and split it int... I love how you can do interest free and split it into 3 payments. Saved me a lot Reviewed on: 11th February 2025

Latest lowest rating:

1

They keep raising interest rates. They keep raising interest rates. Reviewed on: 17th April 2024

Read all reviews Write a 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.

Review Monzo: Flex Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Credit Card reviews (2101)

Changed the game.

Changed the game. So flexible , clear in what I pay and when. Customisable Reviewed on: 4th April 2024

Simply very easy to use.

Simply very easy to use. No commission fees, sharing bill is easy and requesting money easy too Reviewed on: 4th April 2024

Easy & Flexible

I have been using my Monzo card for nearly a year & it’s so great to have the flexibility with it & also the app makes it super easy to keep track of spend. Reviewed on: 4th April 2024

I love the flex option.

I love the flex option. It makes me feel in control of my finances and my life! Reviewed on: 4th April 2024

The flexibility of the card is incredible.

The flexibility of the card is incredible. I wouldn’t normally be a big credit card user but the Monzo card is so nice to use with such flexible payments that I use it often for security and also to spread out large payments Reviewed on: 4th April 2024

Flex puts you in control of your money!

Having used Monzo Flex for almost 2 years now, I can honestly say that this has been the best credit card I have ever experienced. Update after update, the number of things you can do with this card is incredible. From paying in one go to Flex for up to 24 months (always check how much interest you will pay), Flex puts you in control and allows you to have a full picture of your spending. Plus, Monzo's Customer Service is simply great and they are always there to make things work for you. Reviewed on: 4th April 2024

Great scheduling

I have used flex for years and try my best to never miss a payment, I like the way it has been set up to automatically be paid off otherwise I would have a chance of putting it off. I also love the freedom of being able to pay off extra. And I’m very appreciative of the gesture to flex a payment a few days after the purchase! Reviewed on: 4th April 2024

I absolutely love the flex credit card.

I absolutely love the flex credit card. I try and keep an eye of how much interest I’m paying on everything and Monzo makes this so easy! The flex card is a game changer when you have something urgent to pay for! Reviewed on: 4th April 2024

Best credit card I’ve had the pleasure of using, mak...

Best credit card I’ve had the pleasure of using, makes it very easy defaulting for balance clearance, makes it easy to pay early (instantly) and set up payment plans. Haven’t used anything over 3 months but it is very transparent with the interest payments Reviewed on: 3rd April 2024

It’s so easy to use and the products are really inno...

It’s so easy to use and the products are really innovative. I have been a customer for a few years now and never had an issue. Their insights are really useful as well. Reviewed on: 3rd April 2024

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 1.18 from 2 reviews
Credit Card
from Shop Direct 4.38 from 4 reviews
Credit Card
from Post Office 2.13 from 104 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