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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2503 reviews)

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4.96

Based on 2,503 reviews, last reviewed 12th Jun 2025

46% 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

Friendly options, transparent payment options. Friendly options, transparent payment options. I can use it for everything, personalized. Reviewed on: 12th 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 (2503)

Review of the Monzo, Flex Credit Card:

Flex shows where my money is being allocated

Flex credit card is truly flexible and provides a clear view of purchases made and where my monthly payments are being allocated Reviewed on: 15th January 2024

Better to increase my limit am using lot

Better to increase my limit am using lot Reviewed on: 13th April 2025

Monzo is personalised banking at its best

Monzo takes an innovative and human-centric approach to banking. Flex has helped me easily spread the cost of high value purchases while maintaining my credit score. Monzo are also proactive with checking in on their customers' financial station based on account usage and previous conversations. It's personalised banking at its best. Reviewed on: 12th April 2025

Amazing!

Although the credit card is great, they could increase the limit for people so they can use it freely overseas. Reviewed on: 12th April 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

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