Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2506 reviews)

View other Monzo products

4.96

Based on 2,506 reviews, last reviewed 17th Jun 2025

64% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

4

.Easy access to credit - a little too easy Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over t... Read more Reviewed on: 17th June 2025

Latest lowest rating:

1

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

Read all reviews See your review

About this product

Monzo Flex Credit Card reviews (2506)

Review of the Monzo, Flex Credit Card:

Fantastic service

Fantastic bank i love it easy to use Reviewed on: 27th March 2025

Must have Credit Card!

I’ve been really impressed with Monzo Flex so far. One of the features I really appreciate is the flexibility to adjust the amount I want to pay each month. It’s a great way to stay on top of my finances without affecting my credit score, which gives me peace of mind. I also love how Monzo gives clear reminders before any money is taken out. It helps me stay organized and avoid any surprises. On one occasion, I unexpectedly missed a payment, but the customer service team was incredibly helpful. They guided me through using features in the app to make sure the missed payment didn’t affect my credit score. That kind of support really makes a difference. Overall, it’s a user-friendly and thoughtful service that puts you in control. Reviewed on: 14th April 2025

Great rates including 0% interest options, flexible...

Great rates including 0% interest options, flexible monthly instalments. They educate you on the product using a short, simple and engaging PowerPoint style educational piece on the app. Reviewed on: 14th April 2025

Very smooth experience no set back.

Very smooth experience no set back. Never had an issue with customer service and it’s the best travel card to get. Reviewed on: 14th April 2025

Managing my money has never been easier

I absolutely love Monzo! Managing my money has never been easier. I love all the features and perks, and recommend it to all my friends. Reviewed on: 14th April 2025

The Flexi credit card is a game changer!

The Flexi credit card is a game changer! It’s lets you borrow money short term without getting into a rut with snowballing interest. Reviewed on: 14th April 2025

Very smart and efficient banking

Very smart and efficient banking Reviewed on: 14th April 2025

Been with Monzo since I was in school, still love it...

Been with Monzo since I was in school, still love it just as much today Reviewed on: 13th April 2025

Flex has completely changed the way I manage money.

Monzo Flex has completely changed the way I manage my money – in the best possible way! Flex gives me the freedom to spread payments with zero hassle, and the control to stay on top of my spending without falling behind. It’s quick, smooth, and incredibly transparent, no hidden fees, no stress. I used it recently for a bigger purchase I would have otherwise delayed, and the process was seamless. Within seconds, I had split the cost and could track everything right from the app. It’s smart, simple, and genuinely empowering. Monzo Flex isn’t just a feature, it’s a financial game changer. Reviewed on: 13th April 2025

I really like the card - comes with great flexibility

I really like the card - comes with great flexibility and easy to make payments so you can use it interest free if you need to but also get longer to pay it back. It’s easy to pay off individual purchases or the card overall and I quite like this approach Reviewed on: 13th April 2025

Always easy to talk too solve problems quickly Haven...

Always easy to talk too solve problems quickly Haven’t had to use customer service oftenJoined Monzo last year it’s been very easy to understand. Reviewed on: 13th April 2025

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 Debenhams 2.29 from 13 reviews
Advance Credit Card
from Lloyds Bank 3.96 from 60 reviews
Credit Cards
from Smile Bank 3.22 from 4 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 2 reviews
Under 16s account
from Monzo 4.95 from 412 reviews
Investments
from Monzo 4.94 from 813 reviews

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