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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.9 (3174 reviews)

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4.90

Based on 3,174 reviews, last reviewed 13th May 2026

62% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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 (3174)

Couldn’t be happier with service

Couldn’t be happier with service Reviewed on: 19th February 2025

Easy to use

I find the app extremely easy to use and very visual. Which helps keep you focused. Reviewed on: 18th February 2025

Being able to choose which item gets paid over a few...

Being able to choose which item gets paid over a few months has been very useful feature. Reviewed on: 18th February 2025

The bank listens to its costumers

The bank listens to its costumers and the accessibility of its online services is impeccable. It should be noted that the clear and consistent nature of the flex credit card it clear and evident in the way it is designed and structured Reviewed on: 17th February 2025

Friendly and approachable customer service.

I contacted Monzo about an issue with my Flex card and it was sorted within 12 hours and the members of staff that dealt with it though their live chat service was friendly, professional and fixed everything I needed. Reviewed on: 17th February 2025

Really good bank, very user friendly and flex card i...

Really good bank, very user friendly and flex card is amazing Reviewed on: 17th February 2025

Great Bank

Never had any problems since using Monzo. Very easy to use and have access to credit to make purchases with flex. Reviewed on: 17th February 2025

Flex is awesome

I never liked offerings like Klarna or PayPal Credit etc for "pay-in-three" type credit agreements, but Monzo Flex has created a way for me to pay flexibly at a reasonable rate and change my mind if I need to. Being able to Flex any* transaction from my current account retroactively up to 14 days later or pay off individual credit purchases is great. Reviewed on: 16th February 2025

Customer centric approach and support

Great interest offer, and most importantly timeline to pay off borrowed amount. Customisable pay back plan, and customer centric approach and support. Reviewed on: 16th February 2025

You have given me a chance to make special memories...

You have given me a chance to make special memories with the family , and allow me to budget for the extras Reviewed on: 16th February 2025

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