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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.

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Monzo Flex Credit Card reviews (2511)

It's so easy, seamless and simple.

It's so easy, seamless simple and informative, no tricks bi hidden fees all upfront and very flexible without shoving a higher limit in your face if you're doing well. All this matches with their credit score perk makes for very mindful credit card use! Reviewed on: 9th February 2025

best credit card in the UK

The flex card is the best credit card I’ve ever had. So easy to use and customise to my needs. Reviewed on: 9th February 2025

Monzo Flex is the Best!

Monzo Flex is possibly one of the best banking services I have used. It is incredibly easy to use while also providing detailed educational content to customers through the app about how to best use credit services and stay on top of your money. I really like the ability to Flex any transaction where needed and to manage the upcoming payments with a simple slider to adjust how much I want to pay off each month. Reviewed on: 9th February 2025

Just bloody lovleh, absolutely amazing

Just bloody lovleh, absolutely amazing Reviewed on: 9th February 2025

Awesome product, what credit card should be,

Awesome product, what credit card should be, Reviewed on: 9th February 2025

Complete control over my payments

Being able to flex repayments over a set period is excellent, with the ability to pay off a purchase over three months interest free. Reviewed on: 9th February 2025

So much more aware

I love flex - I have other credit cards but they make it so easy to just make the minimum payment. Flex allows the facility to be a bit spendy but listing out the interest over the term is really helpful in terms of understanding what something costs and how large a payment needs to be to cover that Reviewed on: 9th February 2025

Easy and informative app, good perks and travel bene...

Easy and informative app, good perks and travel benefits Reviewed on: 9th February 2025

App easy to use.

App easy to use. and user friendly Reviewed on: 9th February 2025

Excellent provider of financial services meeting nee...

Excellent provider of financial services meeting needs and giving value for money Reviewed on: 9th February 2025

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