Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2496 reviews)

View other Monzo products

4.96

Based on 2,496 reviews, last reviewed 8th May 2025

29% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

There are a lot more people in there and they are go... There are a lot more people in there and they are going on the same page as Reviewed on: 8th May 2025

Latest lowest rating:

1

Monzo. The most devious, incompetent bank in the UK. Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud pol... Read more Reviewed on: 4th March 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 (8)

Monzo. The most devious, incompetent bank in the UK.

Monzo are the most devious, incompetent user unfriendly customer service business I have ever dealt with in my life. Their security and anti-fraud policy are pitiful, and they have no interest in resolving issues. I was a loyal customer for 4 years. I had a paid current account and monzo flex credit card. I got defrauded on the card. Dealing with Monzo was excruciating. You cannot phone them, only chat on their app and they don't do real-time. There are one, two, four hour gaps in communication. You could be talking to someone, then they log off, and you have to start with someone new. I have never experienced such poor service from a bank in this regard. After a full week of wretched support, chat conversations over 12 hour days and following all their recommendations to reinstall app and reset account, I got stung with an apple pay set-up request and defrauded by £1800. Another week, and Monzo's response was that i was the only person who could have authorised the payment, so they would not refund the fraud. I then got a message on the app saying they were closing my account, and they expected payments to me made on the amount defrauded. I reported Monzo to the financial ombudsman, who found in my favour and I got the money back with a small amount of compensation that was not worth it for the amount of time I spent dealing with the issue. The victim support team told me that they see loads of the same type of issue with Monzo and their social media is full of posts from people who experienced the same appalling treatment I did, normally over fraud transactions that Monzo refuse to recognise. I would never use or recommend Monzo the pretend bank. They are the worst organisation I have ever dealt with, period. Avoid like the plague. If you have any issues at all, Monzo will throw you under the bus. Reviewed on: 4th March 2025

They keep raising interest rates.

They keep raising interest rates. Reviewed on: 17th April 2024

Not a credit card.

Not a credit card. You can't use it like a normal card so I don't know why they claim they are Reviewed on: 2nd April 2024

Very bad product, never use it.

Very bad product, never use it. loan product is bad too gave me loan once and now when i closed that loan they aren’t giving me again. Reviewed on: 19th January 2024

I would avoid like the plague

I felt like Monzo felt is a very easy way to fall into debt. Just because it auto puts everything into 3 monthly payments which adds up. I am very good at managing my money but with Monzo flex I felt I was very very close to slipping into debt because I didn’t think ahead about the payments but they add up. And I honestly feel a lot of other people will think this way too and get into debt problems and make Monzo lots of money but hurt a lot of normal people Reviewed on: 18th January 2024

Fraud

I was a victim of fraud and proved it to Monzo and the basically said it is nothing to do with them, absolutely nothing to with them dishonest people who steal your money in your account, people do not care about you and rob your money blatantly do not open nothing with this appalling company Reviewed on: 20th October 2023

Monozo Theft of Customers money DO NOT PAY EXTRA PAYMENTS

I have a Flez account anyway i bought some items from amazon with it but then realised i did not need them so i canceled the order so 2 weeks go by i make an ( Extra payment ) but i contact Amazon to ask when they would refund the purchase price and was informed they did not take the money out of the flex account but flex kept it so i had to contact the and prove that i had cancelled the order they then returned the purchase price but not the extra payment when i asked about the return of the extra payments i was told they do not give refunds of extra or early payments. So BEAWRE WHEN YOU SPEND WITH MONZO FLEX. Reviewed on: 14th September 2023

Worst experience ever

I switched my account from monzo to another bank, with this My account closed and So I wasn’t able to access my flex account as well which was due within few days, No customer service at all they said you will be contacted via email within 48 hours but its been 1 week and now I ended up paying interest which was not my fault at all..customer executive were very rude. Reviewed on: 10th September 2023

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

Gold Card
from first direct 3.92 from 8 reviews
Credit Card
from Zempler Bank (formerly Cashplus) 4.87 from 4388 reviews
Balance Transfer Credit Card
from Halifax 4.54 from 56 reviews

There's still more to see!

Monzo has a range of products available. Check the ratings of each product to find the right one for you. 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