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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% 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

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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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Monzo Flex Purchase credit card reviews (3086)

Very useful and lives up to its name: Flexible!

Very useful and lives up to its name: Flexible! Reviewed on: 11th February 2025

Brilliant monzo

Monzo is very easy to use and transactions very fast and when shopping it alerts you immediately what you have spent I love my flex card as it helps to spread cost and you get 3 months interest free I don’t know of any other bank that does that Reviewed on: 11th February 2025

Very reliable eazy to use app and great customer sup...

Very reliable eazy to use app and great customer support Reviewed on: 11th February 2025

First Class Banking App.

The various pots you can set up is an invaluable tool to plan for future purchases and bills etc. The Flex account is a very worthwhile option to have and has a variety of options re payments when using it. The ability to see interest savings that can be made with additional payments is awesome. Every time I have used the chat option to query something or resolve an issue provides a first rate service. Monzo is my a absolute first choice when looking at interest free options. It has changed the whole way I bank and manage my finances. Reviewed on: 11th February 2025

Trust and confidence

I am very happy with Monzo. It is the best bank that I haven't got. Reviewed on: 11th February 2025

Very flexible, easy to understand, quick decisions

Very flexible, easy to understand, quick decisions Reviewed on: 11th February 2025

This is probably the best credit card I have, nice t...

This is probably the best credit card I have, nice to be able to pay up to 3 months interest free Reviewed on: 11th February 2025

The best bank

Can’t fault them gave me overdraft a credit card and a loan with not the best credit rating Reviewed on: 11th February 2025

Love the fact you can pay 3 payments interest free.

Love the fact you can pay 3 payments interest free. Reviewed on: 11th February 2025

Apple Pay Integration

Simple to use and very clear interest rates. Monzo Flex now is integrated in Apple Pay/Wallet without any additional set up allowing me to create flex plans (pay in 3 or pay next month) without having to make changes in the app. Reviewed on: 10th February 2025

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