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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)

I will be honest I am so grateful to the help monzo...

I will be honest I am so grateful to the help monzo as been able to help with Reviewed on: 9th February 2025

Invaluable flexibility

It has been invaluable to me in getting control of my finances. It has allowed me to make larger purchases like my car and easily spread the payments out interest free. Reviewed on: 9th February 2025

Moving large sums for a house needed booking which...

Moving large sums for a house needed booking which was not user friendly. Could be easier or please offer CHAPS service like other banks. Reviewed on: 9th February 2025

Monzo is the best financial companion ever

Monzo is the best financial companion ever Reviewed on: 9th February 2025

I love my Monzo Flex Card, I can’t live without it.

I love my Monzo Flex Card, I can’t live without it. The card provides flexibility and convenience. Reviewed on: 9th February 2025

JP review

Easy, modern and slick usability. Super simple to send money and connect with others who I know using Monzo. Reviewed on: 9th February 2025

A very happy customer

Monzo Flex is an excellent, no hassle solution to spreading the cost of larger purchases. Having interest free options all the time, and no penalty for early repayment. Reviewed on: 9th February 2025

I'm happy with monzo

I'm happy with monzo monzo is with me on every situation p Reviewed on: 9th February 2025

The flex cc is the best and most flexible cc on the...

The flex cc is the best and most flexible cc on the market and the app makes it so easy to use Reviewed on: 9th February 2025

Fantastic Banking Experience

I've had a fantastic experience using the Monzo Flex Credit Card and would highly recommend it to anyone looking for a flexible and modern way to manage their spending. What sets Monzo Flex apart is how seamlessly it integrates with everyday purchases. The ability to split payments over 3, 6, 12, or even 24 months (with clear and fair interest terms) has made budgeting so much easier. It’s particularly handy for larger purchases, allowing me to spread costs without stress. The app experience is top-notch—intuitive, transparent, and packed with helpful insights. I love that I can track spending in real-time, manage repayments effortlessly, and get instant notifications. Unlike traditional credit cards, there are no hidden fees or confusing terms, which makes everything feel refreshingly straightforward. Another major plus is Monzo's customer service—quick, friendly, and genuinely helpful whenever I’ve had a query. It's clear that Monzo prioritises customer experience, and that shines through in every interaction. Overall, Monzo Flex is a game-changer for anyone looking for a smart, flexible way to pay. Whether it’s for everyday purchases or bigger expenses, it gives you control and confidence over your finances. The added 24-month option makes it even more versatile for spreading the cost of significant purchases. Highly recommended! Reviewed on: 9th February 2025

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