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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3189 reviews)

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4.90

Based on 3,189 reviews, last reviewed 3rd Sep 2026

87% 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 and zero interest and very easy to sho... Very flexible and zero interest and very easy to shopping online and store Reviewed on: 3rd September 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 (3189)

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

Monzo is very easy to use banking.

Monzo is very easy to use banking. They have great interest rates, be that 0% interest rates on credit card purchases for up to three months or 3.60-4.00% on savings. Their customer service is also immediately available and also very helpful. They are far better than my high street bank, so I use them more. Reviewed on: 10th February 2025

Always best service best offer best rewards

Always best service best offer best rewards Reviewed on: 10th February 2025

I am using Monzo Bank from beginning

I am using Monzo Bank from beginning Reviewed on: 10th February 2025

Great experience

Great experience!! Have been using Monzo since 2016, and very happy about it. Reviewed on: 10th February 2025

I love how easy travelling with Monzo is and love Mo...

I love how easy travelling with Monzo is and love Monzo flex so I don’t feel so guilty spending larger amounts than I should. Reviewed on: 10th February 2025

Best Banking Experience Ever

Monzo banking is easy use. Also they provide unique and valuable services such as saving pots with impressive interest rates and also flex credit cards. Everything is transparent and also safe. Reviewed on: 10th February 2025

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