Write a review

Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2390 reviews)

View other Monzo products

4.96

Based on 2,390 reviews, last reviewed 6th Apr 2025

58100% 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

Five stars Excellent bank! And easy way to use monzo flex credit card! Reviewed on: 6th April 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 See your 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 hel...

Monzo Flex Credit Card reviews (2390)

Review of the Monzo, Flex Credit Card:

The flex credit card is a revolution

The flex credit card is a revolution. I can never go back to a normal credit card now. The integration with my current account, ability to move a transaction from my debit to credit card and then choose to pay it back over 3 months interest free is game changing. Reviewed on: 29th March 2025

Five stars

Excellent bank! And easy way to use monzo flex credit card! Reviewed on: 6th April 2025

Good service.

Good service.All options are in one app. Reviewed on: 6th April 2025

Loved using Monzo since day one and will continue to...

Loved using Monzo since day one and will continue to use it Reviewed on: 5th April 2025

It really is flexible

I guess it's all about the app which continues to evolve and feels far in advance of it's rivals. The link between my main Monzo account and my Flex card is very useful and Flex is great to spread costs over 3 months, interest free. Reviewed on: 5th April 2025

The best credit card I’ve ever had.

The best credit card I’ve ever had. It’s flexible with a ton of benefits. Easy to use and to stay in control. Reviewed on: 5th April 2025

I am using monzo from 2 years and I am happy with mo...

I am using monzo from 2 years and I am happy with monzo service Reviewed on: 4th April 2025

Love it amazing banking obeeessed with it reccomend...

Love it amazing banking obeeessed with it reccomend it to all my friends x Reviewed on: 3rd April 2025

Flex is super easy to use and manage, and has been a...

Flex is super easy to use and manage, and has been amazing for budgeting those larger purchases with no interest attached. Reviewed on: 3rd April 2025

Monzo 10/10

Easy to use - stress free - can always rely on it when I’m stuck Reviewed on: 3rd April 2025

A Refreshing Take on Banking

I’ve been using Monzo for about four months now, and honestly, I don’t think I could go back to a traditional bank. Before Monzo, I was with a high street bank that felt outdated—slow transactions, clunky app, and hidden fees. Switching to Monzo has been a breath of fresh air. Features & Benefits: Instant Spending Notifications – One of the first things I noticed (and loved) was the instant transaction alerts. The first time I used Monzo, I tapped my card at a shop, and my ... phone buzzed with the amount before I even put my card back in my wallet. It’s such a small thing, but it makes spending feel way more transparent. Budgeting & Savings Tools – I used to check my bank balance at the end of the month and wonder where did all my money go? But with Monzo’s budgeting feature, I can see exactly what I’ve spent on groceries, eating out, and subscriptions. I even set up a savings “Pot” for an upcoming trip, and rounding up spare change into it has added up surprisingly fast! Fee-Free Spending Abroad – I recently used Monzo while on a short trip, and it was a game-changer. No extra charges, no worrying about exchange rates—just tap and go. A friend got charged a sneaky 3% fee with their bank, but I paid exactly what I saw on the screen. Easy Money Transfers – Splitting bills with friends is effortless. Instead of dealing with long account numbers, I just send money instantly via Monzo, and they get a notification right away. Great Customer Support – I had a minor issue when a subscription took money out earlier than expected. I messaged Monzo through the in-app chat and got a helpful response within minutes. No call queues, no waiting on hold—just quick and friendly support. Drawbacks: Cash Deposits – I don’t use cash much, but when I tried to deposit some birthday money, I had to go to a PayPoint, and they charged me £1 for it. Not a huge deal, but something to keep in mind if you deal with cash often. No Physical Branches – Everything is digital, which is perfect for me, but if you like visiting a bank in person, Monzo might not be the best fit. Interest on Savings Could Be Better – While I love the savings tools, the interest rates aren’t the highest unless you open a savings account with Monzo’s partner banks. Final Verdict: After four months with Monzo, I can say it’s made banking way more intuitive and hassle-free. The app is sleek, transactions are instant, and the budgeting tools have genuinely helped me manage my money better. It’s perfect if you’re comfortable with digital banking and want more control over your finances. That said, if you handle a lot of cash or prefer traditional banking, it might not be the best option. But for me, Monzo has been an absolute win! Reviewed on: 3rd April 2025

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

Credit Building Credit Card
from Vanquis 4.70 from 8167 reviews
Clubcard Credit Card
from Tesco Bank 3.98 from 308 reviews
Credit Card
from American Express 4.46 from 121 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