Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2510 reviews)

View other Monzo products

4.96

Based on 2,510 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

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 br... Read more Reviewed on: 5th September 2025

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 Write a 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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Purchase credit card reviews (2510)

The best

Monzo is by far the best banking app. With all the new features especially Flex is game changer. You can always be assured to have funds if its an utmost emergency. Reviewed on: 10th April 2025

One of the best credit card in the market, with pay...

One of the best credit card in the market, with pay in 3 interest free installments. Reviewed on: 10th April 2025

Very happy Flexer

Getting the Monzo Flex facility was very easy and very quick. I applied and after they performed a credit check, I had the facility within a few hours if I recall correctly. It was all done through the Monzo app and the payment options are a breeze to use and change. After a year it notified me that I was eligible for an increase to my credit limit. Overall very happy using it so far. Reviewed on: 10th April 2025

They’ve been very good so far.

They’ve been very good so far. I like the money they gave me. I wish I did not have to pay it back but hey that’s a credit card for you. Opening the account was quick and easy. Reviewed on: 10th April 2025

Monzo Flex’s Smoothness

The process to obtain and activate the Monzo Flex card was so smooth. Definitely one of the best credit cards I’ve ever used in my entire life! Reviewed on: 10th April 2025

Incredibly intuitive and easy to use.

Incredibly intuitive and easy to use. Excellent security features. Reviewed on: 10th April 2025

Good knowledge of apr% on card, kept in loop

Good knowledge of apr% on card, kept in loop Reviewed on: 10th April 2025

Been with the bank for 3-4 years now i believe, not...

Been with the bank for 3-4 years now i believe, not a single complaint, everything is convenient and app based, where you can connect to a human for support, if needed. Reviewed on: 10th April 2025

I enjoy their three months interest free rate

I enjoy their three months interest free rate Reviewed on: 10th April 2025

Monzo Flex - a students best friend

As a student, managing money is already a challenge, but Monzo Flex has genuinely been a game-changer for me. I’ve been using it for a few months now, and it’s honestly one of the best financial tools I’ve come across. What I love most is the flexibility (no pun intended). Being able to split payments into 3, 6, or 12 months with clear, upfront costs helps me budget better without feeling overwhelmed. It means I can buy what I need—whether it’s textbooks, tech, or even groceries—without stressing about paying it all in one go. Another big reason I got the Monzo Flex card was to build my credit score, and so far, it’s been working great. Monzo reports to credit reference agencies, so as long as I make my payments on time, it helps me build a solid credit history. It feels good to know I’m taking steps toward financial independence while still in uni. Plus, the app is super easy to use. I get instant notifications, I can track everything in real-time, and I always know where I stand financially. There are no hidden fees or confusing terms—it’s all very student-friendly. Overall, I’d highly recommend Monzo Flex to any student trying to build credit and budget smartly. Just be responsible with it, and it can really set you up for the future. Reviewed on: 10th 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 card
from Luma 4.00 from 2 reviews
Chrome Card
from Vanquis 4.18 from 8 reviews
Purchase Credit Card
from Bank of Scotland 4.53 from 10 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 2 reviews
Under 16s account
from Monzo 4.95 from 410 reviews
Savings
from Monzo 4.94 from 151 reviews

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