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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2506 reviews)

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4.96

Based on 2,506 reviews, last reviewed 17th Jun 2025

67% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

4

.Easy access to credit - a little too easy Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over t... Read more Reviewed on: 17th 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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Monzo Flex Credit Card reviews (2506)

One of most clear credit card banking.

One of most clear credit card banking. Very easy to plan your budget, clear how to split your payments and understand interest and amounts that should be paid. Best of any I have seen Reviewed on: 12th February 2024

Because Monzo always the best, l never have disappoi...

Because Monzo always the best, l never have disappointment at monzo l get what l need for monzo Reviewed on: 12th February 2024

3 months 0% finance from a credit card is unheard of.

3 months 0% finance from a credit card is unheard of. So easy to keep track of your transactions and chop and change the length of payback time. Reviewed on: 10th February 2024

Fantastic deal

The convenience availed to pay in 3 months interest free. Reviewed on: 10th February 2024

Monzo are the best!

Whenever I have required support from Monzo they’ve been fantastic. The main benefit is that I don’t have to wait on hold for ages on the phone, and that their chat facility is so much better than most companies. You can do it directly from the app and you can close the app and do something else while you’re waiting for a response, rather than staring at the screen and being unproductive while waiting to connect, as is the case with most other live chat facilities. Monzo seem to put convenience/ease of use at the forefront of all of their offerings, which is something I absolutely need in my busy life. Reviewed on: 10th February 2024

Monzo Flex makes credit use so much less daunting!

Monzo Flex makes credit use so much less daunting! I was pretty nervous about using anything credit/buy now pay later related. I've been an serial debit card user, and have been cautious about using credit cards I don't understand. I love how structured Flex is, no unwanted charges, confusing interest rates, or changing terms and conditions. Flex has allowed me to make big purchases without having to fork out a huge sum at once, but also gives me the reassurance of being able to pay off in a structured way. And in any case, you can always pay within 3 months interest free, plus the flexibility to pay off over up to 2 years and also the ability to change if you have extra cash to overpay and finish up sooner. A great product, and one I've encouraged others to consider instead of standard or more traditional credit cards. Reviewed on: 10th February 2024

I’ve been a Monzo customer since 2017 and love it!

I’ve been a Monzo customer since 2017 and love it! I have other current accounts but only actively use this one. Reviewed on: 10th February 2024

Amazing amazing amazing amazing amazing

Amazing amazing amazing amazing amazing Reviewed on: 10th February 2024

Opening a Monzo flex card for an upcoming holiday wa...

Opening a Monzo flex card for an upcoming holiday was so easy - I really appreciated being able to seamlessly open the account in the app and then start using it straight away. The payment experience is always flawless, unlike some e.g. Amex, who’s 3DS implementation seems to be broken for half the merchants I use. Reviewed on: 10th February 2024

Flex is a game changer

Flex is a game changer. The reassurance of using a credit card without huge interest fees. Freedom to change repayment term to longer (up to 23 months) or shorter if needed. If you select 3 or less months it’s interest free! A brilliant alternative to generic credit cards or loans Reviewed on: 9th February 2024

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