Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2981 reviews)

View other Monzo products

4.97

Based on 2,981 reviews, last reviewed 20th Feb 2026

46800% 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

Monzo has been like a breath of fresh air Monzo has been like a breath of fresh air since joining. The app is super easy to use and clean and flex is great. It has contributed to my credit sco... Read more Reviewed on: 20th February 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 See your 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.

Monzo Flex Purchase credit card reviews (2981)

Review of the Monzo, Flex Purchase credit card:

Best online banking

Best online banking and easy to use mobile app. Reviewed on: 3rd March 2023

Flexibility of flex is incredible.

Flexibility of flex is incredible. Reviewed on: 11th February 2026

Iam very happy with mozo bank and flex credit card.

Iam very happy with mozo bank and flex credit card. Reviewed on: 11th February 2026

Easy to use, flexible repayments

Easy to use, flexible repayments Reviewed on: 11th February 2026

Always there to advise you..

Always there to advise you on the best possible way to move forward and the possible support when you decide which way you want to go Reviewed on: 11th February 2026

This has helped me build my credit score up and make...

This has helped me build my credit score up and make my life easier and more comfortable with the amount of money that I’ve saved over the years Reviewed on: 11th February 2026

Great service and product offering, better than comp...

Great service and product offering, better than competitors and leaders in the BNPL flex offering Reviewed on: 10th February 2026

Fantastic and works well monthly, very easy to use

Fantastic and works well monthly, very easy to use Reviewed on: 10th February 2026

Amazing experience and great product

Amazing experience and great product Reviewed on: 10th February 2026

Solid banking experience without the bureaucracy of...

Solid banking experience without the bureaucracy of a traditional bank. Reviewed on: 10th February 2026

Monzo Flex

I’ve been using Monzo Flex for a couple of years now. It’s a great alternative to a credit card and much easier to monitor in the same app as my main account. There are many options for repayment, some interest free and some with clear and transparent interest fees. The ability to pay more at any time and reduce the interest owed is also really useful. It’s great to have for larger purchases or just those unexpected emergencies. Reviewed on: 10th February 2026

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

Everyday credit cards
from Lloyds Bank 4.00 from 63 reviews
Initial Credit Card
from Barclaycard 3.99 from 118 reviews
Freedom Rewards Credit Card
from Barclaycard 3.96 from 60 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 5 reviews
Savings
from Monzo 4.97 from 211 reviews
Under 16s account
from Monzo 4.96 from 516 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