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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2500 reviews)

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4.96

Based on 2,500 reviews, last reviewed 8th Jun 2025

44% 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's Flex Card makes managing your credit respons... Monzo's Flex Card makes managing your credit responsibly a breeze. Fully transparent app keeping you in the loop with many options if you want to pay ... Read more Reviewed on: 8th 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 (2500)

Review of the Monzo, Flex Credit Card:

Long time customer

Been with Monzo for a few years now and have had nothing but positive experiences Reviewed on: 26th March 2025

Number one bank in united kingdom

Number one bank in united kingdom Reviewed on: 12th April 2025

Monzo is easy to use, understand and the app is amaz...

Monzo is easy to use, understand and the app is amazing. Reviewed on: 12th April 2025

I like the fact that with a click of a button you ca...

I like the fact that with a click of a button you can make larger transactions interest free for 3 months being able to keep some of the money in savings a little longer and it's very clear on the app how much and when you pay it Reviewed on: 12th April 2025

Monzo look at you as a person not just a statistic!

Monzo look at you as a person not just a statistic! Their products and services continue to inprove Reviewed on: 11th April 2025

I think that being able to have 3 months 0% interest...

I think that being able to have 3 months 0% interest is fantastic Reviewed on: 11th April 2025

perfect aid to your indulgence while being responsible

The Monzo flex is the perfect tool that allows you to explore your indulgences while being financially responsible. I love the flexibility it gives me to split my payments not just in the initial phase but also a couple of months later which allows me to plan my finances. Reviewed on: 11th April 2025

Brilliant Product!

Monzo Flex is a very straightforward product to use; very simple to set up and to use using the Monzo app. Fantastic flexibilty in using it online or with the physical card instore. Even further flexibility in being able to tailor repayment dates and amounts, or even pay early - and by far the biggest bonus, is being able to transfer an ordinary card purchase retrospectively onto Flex. Reviewed on: 11th April 2025

Amazing bank and amazing service

Amazing bank and amazing service Reviewed on: 11th April 2025

Very good

I'm very happy for the monzo Flex credit card Reviewed on: 11th April 2025

Great product which allows me to manage payments

Great product which allows me to manage payments until payday or pay over 3 months interest free, all within the app and with ease. It gives me control and freedom over my payments and allows me to track and budget for big spends and unexpected costs. I find that I have stopped using my other ‘actual’ credit cards now in favour of this as it is more transparent (in terms of interest and upcoming payments) and also more easily managed. Reviewed on: 11th April 2025

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