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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2513 reviews)

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4.95

Based on 2,513 reviews, last reviewed 22nd Jan 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Very easy to use. Very easy to use. Quick notifications to follow. Easy layout on app to understand and follow with no jargon. Reviewed on: 22nd January 2026

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 2025

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About this product

The Monzo Flex Purchase credit card has a starting limit of up to £10,000.

With Monzo Flex Purchase, you can pay abroad with no fees. You also get no interest on purchases of £100 or more paid over three months. Get instant notifications, real-time balance updates and freeze and defrost your card, all from the Monzo app.

Monzo Flex Purchase credit card reviews help you find out what it’s really like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

Monzo Flex Purchase credit card reviews (2513)

Review of the Monzo, Flex Purchase credit card:

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

Very easy to use.

Very easy to use. Quick notifications to follow. Easy layout on app to understand and follow with no jargon. Reviewed on: 22nd January 2026

Never get caught out by hidden fees with Monzo Flex

I've been using Monzo Flex for just over a year now and love how transparent and easy it is to use. Every time I make a purchase, I can really clearly see my payment options and how much it will cost me to pay back over 3/6/12 months. I also love having the ability to split bigger payments at 0% interest, over 3 months, and spend abroad without paying any fees. It really feels like a credit card that is designed to work for, and not against me! Reviewed on: 13th January 2026

Easy to use and stress-free credit

Easy to use and stress-free credit Reviewed on: 13th January 2026

I've been using Flex for years!

I've been using Flex for years and it's an absolute lifesaver. The interface is so easy to use and straightforward and the service from the team is brilliant and human too. I feel able to use this credit service and feel fully in control. Reviewed on: 5th September 2025

Bank that you can not trust

Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 2025

Monzo is great!

Love the Monzo app, one of the best banking apps out there. So easy to use and manage your finances and super modern. Also love the flex credit card as it lets you manage payments, interest free over three month. Reviewed on: 12th July 2025

Found myself now using this as my primary credit card.

Found myself now using this as my primary credit card. So easy and useful, with great flexibility on how you wish to use credit. Also provides that security and provides the best credit card integration to current account that I have experienced. The early pay-off functionality is great and the fact it links in with rewards is perfect. Reviewed on: 9th July 2025

Good services and profesionalism

Good services and profesionalism Reviewed on: 8th July 2025

Monzo Flex feels like it works for you, unlike others

Monzo Flex is a super simple credit card that actually feels like it’s working for you and helping you, rather than other card providers who try to catch you out with fees, or present info in frustrating ways that make you mess up, or have terrible unfriendly user interfaces. Monzo Flex just works, and works brilliantly. Reviewed on: 4th July 2025

.Easy access to credit - a little too easy

Monzo Flex is a great way to spread the cost of purchases in the moment, but it is a very expensive way of doing so if you’re not paying it off over the short term, and it is a little too easy to spend on. Reviewed on: 17th June 2025

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