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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'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

Amazing for travel

My work requires me to travel a lot and there’s no better bank especially with max and all the perks that brings. Reviewed on: 11th February 2025

Great from start to finish always there when needed

Great from start to finish always there when needed Reviewed on: 11th February 2025

Flex makes it easier for me to manage and change pay...

Flex makes it easier for me to manage and change payments as I go, and I rarely have to pay any interest because of the pay in 3 for free option. Reviewed on: 11th February 2025

New Features!

Monzo have over the past year introduced some amazing features, including the 1p a day savings challenge, and introducing 3 new tiers of paid for features. I use monzo max and it gives me phone insurance, travel insurance and way more (including a railcard). I’ve not had any issues with monzo either, and have always been able to find all the information I need in-app! Reviewed on: 11th February 2025

Excellent product love the 3 month interest free fea...

Excellent product love the 3 month interest free feature. makes life so much easier. Reviewed on: 11th February 2025

Monzo is amazing

Ever since I got to the uk Monzo has being my go to bank for all my financial needs the fact I get access to my pay 1 day ahead of pay day has been a game changer for my finances thank you monzo Reviewed on: 11th February 2025

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