Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

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

View other Monzo products

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

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 (3174)

Love how easy and intuitive to use the app is

Love how easy and intuitive to use the app is Reviewed on: 11th February 2025

Unable to Fault

I am unable to fault Minzo’s expertise in every aspect of banking, from a small bank account to a large one they are with you all the way giving interesting ideas at all times - definitely not a boring bank Reviewed on: 11th February 2025

EASY TO USE

A really good banking experience. They absolutely rocking with their user friendly app. Reviewed on: 11th February 2025

Best bank for 2025

Easy to apply for online , choice of cards with different benefits. I would say this is the best bank account for 2025 . Reviewed on: 11th February 2025

Very good

Transactions are very easy and practically instantaneous. I highly recommend Monzo! Reviewed on: 11th February 2025

Great way to manage credit!

Good way to manage credit, clear and easy to use app - interest free options are great! Reviewed on: 11th February 2025

I'd appreciate more time to pay

I like have the visibility of a credit card in my Monzo account. My main quibble is that other credit cards have longer period between when you buy something and when you have to pay for it - often longer than a month. With Flex, you pay on the same day each month, even if that's less than a month away. Reviewed on: 11th February 2025

Love everything, app works really well, never down

Love everything, app works really well, never down Reviewed on: 11th February 2025

It's a really unique hybrid between a credit card an...

It's a really unique hybrid between a credit card and a buy now pay later product and I like what that allows be to do. With the bigger purchases I can smooth out my cashflow a bit by spreading it over 3 months without interest. Reviewed on: 11th February 2025

Best credit card I’ve ever used, flex facility is fa...

Best credit card I’ve ever used, flex facility is fantastic Reviewed on: 11th February 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 HSBC 3.14 from 122 reviews
Nectar Credit Card
from American Express 3.23 from 14 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.17 from 14 reviews

Want to see more from Monzo?

Under 16s account
from Monzo 4.89 from 944 reviews
Investments
from Monzo 4.86 from 1132 reviews
Current account
from Monzo 4.85 from 19407 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