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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)

Best bank ever so modern and with the times

Best bank ever so modern and with the times Reviewed on: 8th February 2025

Excellent service.

Excellent service. Does exactly what’s expected Reviewed on: 7th February 2025

Great For Budgeting

This credit card allows me to budget for larger purchases and pay them off over three months, interest free. Perfect. Reviewed on: 7th February 2025

I find the credit card incredibly simple to use, whi...

I find the credit card incredibly simple to use, while also being flexible. Similar to Klarna in its style, it's a more modernised credit card than having to pay back everything the following month, or you'll incur charges - you instead have the option to spread the payments over 3 months (interest free) or 6/12 months instead! Reviewed on: 7th February 2025

Monzo Flex is genius!

Monzo Flex is genius! Flexible spending (e.g. Klarna) has gained popularity in recent years but I've never trusted it. With Monzo, I was instantly on-board because I can see exactly what's happening next to my current account. Reviewed on: 7th February 2025

It’s great!

Great credit card to pay over 3 months without fees or interest. I use it as a free Klarna, basically. It’s great Reviewed on: 7th February 2025

Monzo Flex - three months interest-free flexibility

Monzo Flex, being so easily available alongside my current account, has made a huge and positive difference to how I use credit. Having a physical card, and the flexibility to change purchases to credit after the transaction, is actually life changing. The interest-free three month period and regular payment cycles help to built a healthier credit score too. Reviewed on: 7th February 2025

So useful to smooth out larger expenses, but without...

So useful to smooth out larger expenses, but without letting CC debt stagnate. Focus on paying off rather than .minimum monthly payments is refreshing Reviewed on: 7th February 2025

Great first credit card

Easy to set up, good for first time credit card users. Simple to use. Great rates for using in Europe Reviewed on: 7th February 2025

My Monzo Experience

I hold debit and credit acounts with Monzo; the experience compared to a traditional bank is night and day with a focus on real time transactions, analytics, special offers/cashbacks, and simple to use interfaces. Reviewed on: 7th February 2025

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