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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

98% 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.

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Monzo Flex Credit Card reviews (2511)

Monzo is easy to use and they have me my first credi...

Monzo is easy to use and they have me my first credit card to get me my first credit and it's going well Reviewed on: 10th February 2025

I really like the flex card!

I really like the flex card! It's user friendly, simple and effective. Reviewed on: 10th February 2025

Turn any purchase into 3 easy payments

Turn any purchase into 3 easy payments Reviewed on: 10th February 2025

Really easy to use and great flexibility.

Really easy to use and great flexibility. Reviewed on: 10th February 2025

Great bank.

Great bank. Monzo flex has been very useful in my day to day money management Reviewed on: 10th February 2025

Very efficient.

Very efficient. Easy to use, flexible, reliable and can be trusted. Reviewed on: 10th February 2025

The flex credit card demystifies credit.

The flex credit card demystifies credit. Eat to see and adjust your repayment schedule to match your needs for each spend. Being able to ‘flex’ your payments over up to 3 months without having to pay back more is great. Reviewed on: 10th February 2025

Only bank who gave me a chance I love monzo

Only bank who gave me a chance I love monzo Reviewed on: 10th February 2025

Excellent

Have never had an issue. It is easy to use, and understand. Able to get help easily if any issues have arisen. Benefits - easy to pay, easy to choose what to flex, - can choose a date to pay, can change the amount to pay that date. I am yet to find any draw backs Reviewed on: 10th February 2025

Monzo Flex Credit card is a fantastic card

Monzo Flex Credit card is a fantastic card which really does give you great flexibility as to how you wish to pay for goods and services. I love the fact that you can pay for items either straight away or over many months if you so wish to make things easier The card helps you to stay in perfect control of your finances. Reviewed on: 10th February 2025

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