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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2357 reviews)

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4.96

Based on 2,357 reviews, last reviewed 28th Mar 2025

54900% 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

Easy & Flexible Everything’s just so easy! 3 months interest free is a lifesaver Reviewed on: 28th March 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

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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 (2357)

Review of the Monzo, Flex Credit Card:

Best Credit Card

It has Flexible Repayment Options. You can split purchases into 3, 6, or 12 monthly installments. Payments over 3 months are interest-free, while longer terms incur a 29% APR. Credit Building: Using Monzo Flex responsibly, by making timely payments and staying within your credit limit, can help improve your credit score over time. No Foreign Transaction Fees: Monzo Flex allows fee-free spending abroad, using Mastercard’s exchange rate without additional charges. User-Friendly App Integration: The Monzo app provides instant notifications, real-time balance updates, and the ability to manage your card settings, enhancing your control over spending. Reviewed on: 23rd March 2025

Easy & Flexible

Everything’s just so easy! 3 months interest free is a lifesaver Reviewed on: 28th March 2025

Amazing service and product.

Amazing service and product. Easy to use app, tracking your spending and keeping your account safe. Reviewed on: 28th March 2025

Monzo Flex Credit Card is the Best: Excellent

I've used 3 different monzo accounts including Monzo Flex for almost 3 years now, and they've never failed my once. Monzo is just the best, and I love it. Reviewed on: 28th March 2025

Live laugh love flex.

Live laugh love flex. I love flex, flex is goooood for me. Reviewed on: 28th March 2025

I like that it is online real-time.

I like that it is online real-time. Reviewed on: 28th March 2025

Handy way to spread the cost

Monzo Flex is a convenient way to break down payments without the hassle of a credit card. The interest-free three-month option is great, and managing it through the Monzo app is easy. Reviewed on: 28th March 2025

5 star services

Very pleasant and easy to access services Reviewed on: 27th March 2025

Fantastic service

Fantastic bank i love it easy to use Reviewed on: 27th March 2025

Flex has been great, and i have used it for many pur...

Flex has been great, and i have used it for many purchases. I love the fact that you can make extra payments as well as the flexibility of extending your payment plan. The 3 months interest free payments has allowed me to split purchases into manageable payments which has funded a lot of things! Reviewed on: 27th March 2025

Excellent and great for todays normal person.

Flex is great and doesn’t look solely at my credit score. It’s a refreshing change judgy old banks. Reviewed on: 27th March 2025

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