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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2505 reviews)

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4.96

Based on 2,505 reviews, last reviewed 13th Jun 2025

45% 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

Instant credit granted when I needed it. Instant credit granted when I needed it. Reviewed on: 13th 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

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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 (2505)

Review of the Monzo, Flex Credit Card:

5 star services

Very pleasant and easy to access services Reviewed on: 27th March 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

Great options

I used the Monzo Flex credit card to spread the cost of a few larger purchases, taking advantage of the three-month interest-free option. The setup was quick and easy in-app, and having the flexibility to manage repayments without added cost made budgeting much smoother. A great short-term credit option with clear, transparent terms. Reviewed on: 13th April 2025

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