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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 2026

Latest lowest rating:

2

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

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.

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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

I find the flex product very easy to use, I can tail...

I find the flex product very easy to use, I can tailor my payments easily, use it in stores and online and I love how I can choose repayment profile after paying for something Reviewed on: 27th February 2025

The Flex credit card is great for smaller purchases

The Flex credit card helps with those smaller purchases and spreads the cost out easily. Treated your pals to dinner before payday? Flex it! Eyeing up those gig tickets? Flex it. It's really easy to see how much you've spent, and the upcoming payments are transparent, with regular reminders before payment day Reviewed on: 26th February 2025

Market leading customer experience

I love the flexibility of this product, having the ability to set default interest free payments and using the new apple pay integrations for instalments has been very valuable to me. Reviewed on: 26th February 2025

Very clear communication, easily understandable and...

Very clear communication, easily understandable and great customer options available with the new flex credit card. Reviewed on: 26th February 2025

Monzo Flex, a great credit card

The Monzo Flex Credit Card is amazing for working on improvimg my credit score as long as it's used responsibly. The fact I can split my spending in three interest free payments at no cost as a free user is simply amazing and comes in handy when I am either short at the end of the month or want to plan bigger purchases. The only downside is, I set my payment date for the 28th of every month, and it is always early or late, never on the 28th when I requested it to be. Apart from that, it is an amazing credit card that is widely accepted and easy to use. Another downside is I cannot use it to pay for PayPal Friends and Family payments, which would be amazing if it were possible. Reviewed on: 26th February 2025

I really like using my Flex card!

I really like using my Flex card! Reviewed on: 26th February 2025

Really good value for money and good reply’s to quer...

Really good value for money and good reply’s to queries- very quick to resolve Reviewed on: 26th February 2025

Smooth and easy bankinh with great customer value

Smooth and easy bankinh with great customer value Reviewed on: 26th February 2025

Good basic credit card but no rewards or frills

I like being able to split larger payments interest free over time. In some other banking apps (Lloyds) it can be hard to find the minimum payment amount due on the credit card which is frustrating but I don't have that problem with the Flex card. There aren't any rewards associated with it. Reviewed on: 26th February 2025

Monzo flex is unique and amazing in how it works

Monzo flex is unique and amazing in how it works Reviewed on: 26th February 2025

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