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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2511 reviews)

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4.95

Based on 2,511 reviews, last reviewed 24th Jul 2025

97% 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 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:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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 (2511)

Review of the Monzo, Flex Credit Card:

Best online banking

Best online banking and easy to use mobile app. Reviewed on: 3rd March 2023

Great way to manage credit!

Good way to manage credit, clear and easy to use app - interest free options are great! Reviewed on: 11th February 2025

I'd appreciate more time to pay

I like have the visibility of a credit card in my Monzo account. My main quibble is that other credit cards have longer period between when you buy something and when you have to pay for it - often longer than a month. With Flex, you pay on the same day each month, even if that's less than a month away. Reviewed on: 11th February 2025

Love everything, app works really well, never down

Love everything, app works really well, never down Reviewed on: 11th February 2025

It's a really unique hybrid between a credit card an...

It's a really unique hybrid between a credit card and a buy now pay later product and I like what that allows be to do. With the bigger purchases I can smooth out my cashflow a bit by spreading it over 3 months without interest. Reviewed on: 11th February 2025

Best credit card I’ve ever used, flex facility is fa...

Best credit card I’ve ever used, flex facility is fantastic Reviewed on: 11th February 2025

Amazing for travel

My work requires me to travel a lot and there’s no better bank especially with max and all the perks that brings. Reviewed on: 11th February 2025

Great from start to finish always there when needed

Great from start to finish always there when needed Reviewed on: 11th February 2025

Flex makes it easier for me to manage and change pay...

Flex makes it easier for me to manage and change payments as I go, and I rarely have to pay any interest because of the pay in 3 for free option. Reviewed on: 11th February 2025

New Features!

Monzo have over the past year introduced some amazing features, including the 1p a day savings challenge, and introducing 3 new tiers of paid for features. I use monzo max and it gives me phone insurance, travel insurance and way more (including a railcard). I’ve not had any issues with monzo either, and have always been able to find all the information I need in-app! Reviewed on: 11th February 2025

Excellent product love the 3 month interest free fea...

Excellent product love the 3 month interest free feature. makes life so much easier. Reviewed on: 11th February 2025

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