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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (2505 reviews)

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4.96

Based on 2,505 reviews, last reviewed 13th Jun 2025

45% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Instant credit granted when I needed it. Instant credit granted when I needed it. Reviewed on: 13th 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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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 (2505)

Review of the Monzo, Flex Credit Card:

Handy extra

I got monzo flex on a whim but I’m so happy I did. It’s made life easier when it comes to big purchases. It’s easy to track my payments and if I want to pay off early I can do! Reviewed on: 3rd March 2023

Instant credit granted when I needed it.

Instant credit granted when I needed it. Reviewed on: 13th June 2025

Late in the game, best by name

Very responsive to customer needs. Reviewed on: 13th June 2025

Friendly options, transparent payment options.

Friendly options, transparent payment options. I can use it for everything, personalized. Reviewed on: 12th June 2025

Monzo have curated an app and banking experience tha...

Monzo have curated an app and banking experience that helps the user enjoy banking, functionality is easy to use and rewarding compared to some of the archaic apps that some of the bigger banks use Reviewed on: 12th June 2025

Great service available, especially with the ability...

Great service available, especially with the ability to auto select how the payment comes out. It’s great that you can get up to 3 months free credit and that you can also change your payment and it will work itself out rather than having to go into each individual payment and change them. Reviewed on: 12th June 2025

Monzo's Flex Card makes managing your credit respons...

Monzo's Flex Card makes managing your credit responsibly a breeze. Fully transparent app keeping you in the loop with many options if you want to pay earlier or slow things down a little Reviewed on: 8th June 2025

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 pointless credit card on the planet. Reviewed on: 4th June 2025

Monzo flex is very easy to use, I like the flexibili..

Monzo flex is very easy to use, I like the flexibility of the payment plan options whether you want to pay off earlier or extend the fees and interest are communicated in a clear, simple and informative manner. Reviewed on: 26th May 2025

Flex remains the most manageable credit card in the...

Flex remains the most manageable credit card in the market place providing clear oversight of purchases and repayments Reviewed on: 25th May 2025

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

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