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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2511 reviews)

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4.95

Based on 2,511 reviews, last reviewed 13th Jan 2026

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

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

Read all reviews See your review

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 (2511)

Review of the Monzo, Flex Purchase credit card:

Love Monzo

A friendly bank, genuinely doing new things with bank accounts and adding new features like flex which is like a better credit card. Reviewed on: 23rd February 2023

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

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

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