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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2461 reviews)

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4.96

Based on 2,460 reviews, last reviewed 15th Apr 2025

64800% 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

Easily the best credit product by a country mile. Easily the best credit product by a country mile. Reviewed on: 15th 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

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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 (2461)

Review of the Monzo, Flex Credit Card:

A great er, flexible product with the Monzo flair

Flexing anything from two weeks prior is amazing, helps in those tricky end of month moments. Also the Flex virtual card that you can use practically anywhere is excellent. Reviewed on: 16th February 2023

I've been using Monzo Flex credit card, and...

I've been using the Monzo Flex credit card for a bit now, and I've got to say, it's a rather clever bit of kit. The way it lets you spread out the cost of purchases is genuinely useful, especially for those slightly bigger spends. Being able to choose your repayment plan – whether it's over 3, 6, or 12 months – gives you a proper sense of control, and it's all laid out nice and clearly in the app. Speaking of the app, managing the Flex card through it is a doddle, just like the current account. You can see exactly what you've spent, what your upcoming payments are, and change your plans within certain limits, which is handy if your situation changes. What I particularly appreciate is the transparency. There aren't any sneaky hidden fees that I've come across, and the app makes it really obvious what the interest will be if you choose a longer repayment plan. It helps you make informed decisions, which is always a good thing. It integrated seamlessly with my existing Monzo account, which made the whole application process and day-to-day use really smooth. It feels like a natural extension of their banking service. For anyone looking for a flexible way to manage their spending and spread out costs without any fuss, the Monzo Flex credit card is definitely worth a look. It's straightforward, easy to manage, and puts you in control. Reviewed on: 15th April 2025

Easily the best credit product by a country mile.

Easily the best credit product by a country mile. Reviewed on: 15th April 2025

Monzo credit has to be one of the best credit cards...

Monzo credit has to be one of the best credit cards out there, it has a low APR and helps build your credit score and history. Reviewed on: 15th April 2025

Great service

The experience is great and meets all my needs Reviewed on: 15th April 2025

The Monzo flex has to be one of the greatest inventi...

The Monzo flex has to be one of the greatest inventions ever! Reviewed on: 15th April 2025

Must have Credit Card!

I’ve been really impressed with Monzo Flex so far. One of the features I really appreciate is the flexibility to adjust the amount I want to pay each month. It’s a great way to stay on top of my finances without affecting my credit score, which gives me peace of mind. I also love how Monzo gives clear reminders before any money is taken out. It helps me stay organized and avoid any surprises. On one occasion, I unexpectedly missed a payment, but the customer service team was incredibly helpful. They guided me through using features in the app to make sure the missed payment didn’t affect my credit score. That kind of support really makes a difference. Overall, it’s a user-friendly and thoughtful service that puts you in control. Reviewed on: 14th April 2025

Great rates including 0% interest options, flexible...

Great rates including 0% interest options, flexible monthly instalments. They educate you on the product using a short, simple and engaging PowerPoint style educational piece on the app. Reviewed on: 14th April 2025

Very smooth experience no set back.

Very smooth experience no set back. Never had an issue with customer service and it’s the best travel card to get. Reviewed on: 14th April 2025

Managing my money has never been easier

I absolutely love Monzo! Managing my money has never been easier. I love all the features and perks, and recommend it to all my friends. Reviewed on: 14th April 2025

The Flexi credit card is a game changer!

The Flexi credit card is a game changer! It’s lets you borrow money short term without getting into a rut with snowballing interest. Reviewed on: 14th April 2025

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