Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2510 reviews)

View other Monzo products

4.96

Based on 2,510 reviews, last reviewed 12th Jul 2025

97% decrease in 5 star reviews

in the past 90 days

100% decrease in 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:

2

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 Write a review

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.

Review Monzo: Flex Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Credit Card reviews (2510)

Great experience so far from Monzo.

Great experience so far from Monzo. Very efficient and very flexible as the name says. Reviewed on: 9th February 2025

Over a Year of Seamless Experience

I’ve been using Monzo Flex for over a year now, and it has been an incredibly smooth and reliable experience. The ability to spread payments over 3, 6, or 12 months has given me great flexibility in managing my finances without the stress of traditional credit cards. One of the standout features is how transparent and user-friendly it is. The Monzo app makes it easy to track payments, see upcoming instalments, and manage my budget effortlessly. I also love the instant notifications and the ability to pay off balances early without any penalties. Over the past year, I’ve used Monzo Flex for various purchases, and it has never let me down. The flexibility, clear breakdown of costs, and seamless integration with my Monzo account make it the best buy-now-pay-later option I’ve ever used. If you’re looking for a hassle-free way to manage larger expenses while keeping control of your spending, I highly recommend Monzo Flex! Reviewed on: 9th February 2025

Overall good service.

Good service. Great problem solving. Great offers. Reviewed on: 9th February 2025

What a BANK !!

It’s just so refreshing to deal with this BANK they do everything right and listen to you as well Reviewed on: 9th February 2025

Monzo - Disruptor par excellence

Monzo is the last word in App design and customer service among banks. For a no branch bank their customer service is really great! Reviewed on: 9th February 2025

Flex allows me much more flexible credit control tha...

Flex allows me much more flexible credit control than a typical credit card, it makes it super simple and allows me to pay over a longer period than typical credit cards. I never take on options with interest so it costs me nothing Reviewed on: 9th February 2025

Monzo is great and very easy to use.

Monzo is great and very easy to use. Would recommend to everyone. Reviewed on: 9th February 2025

Amazing bank- love Monzo.

Amazing bank- love Monzo. It’s so intuitive, customer service is amazing! Reviewed on: 9th February 2025

Monzo is for life, the easy life.

Everything is super easy with Monzo, there is nothing that Monzo doesn’t provide for. The max account gives a huge amount of great features and benefits that make the max account price well worthwhile. Reviewed on: 9th February 2025

Flex Transfer

My car broke down and was able to use the flex transfer to pay for the repair. It was quick and simple to use Reviewed on: 9th February 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

Platinum Credit Card
from Lloyds Bank 4.23 from 48 reviews
Initial Credit Card
from Barclaycard 3.96 from 118 reviews
Zero Credit Card
from Santander 3.82 from 17 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 2 reviews
Under 16s account
from Monzo 4.95 from 411 reviews
Investments
from Monzo 4.93 from 831 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