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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)

Benefits of Monzo Flex Cards

It's very easy and convenient to use online and instore to pay for cashless services.It also offers rewards like Railway cards,discounted foods i. Certain food stores and free weekly snacks and drinks. It provides money incase of any emergency. Reviewed on: 10th February 2025

Flex is great, but it still needs a lot of work

Flex is great, but it needs same experience as current account. You still can't search transactions on your Flex for example. Each time you open a transaction details you have to go back to the main screen and scroll again to the timeframe you were at. Reviewed on: 10th February 2025

Monzo is a Flex

Love Monzo products but Flex is just excellent. I can build my credit rating and manage my payments in a way that is really user friendly, I have so much control and geet to take advantage of a great benefit on my credit. The notifications make it really fair if I think I might miss a payment or the rate is going to rise. Other banks sometimes feel like they're keeping notifcations a secret so you accidentally default a payment and have to pay lots but Monzo are really transparent Reviewed on: 10th February 2025

It's excellent the best credit card I ever had.

It's excellent the best credit card I ever had. Very flexible. Reviewed on: 10th February 2025

It provided me with secure way of accessing my money...

It provided me with secure way of accessing my money, sort my expenses and build my credit score Reviewed on: 10th February 2025

Simple banking as it should be.

Simple banking as it should be. Easy to use app that even my 80 year old mum can use! Great additional features from the Max account that has saved me money and I’ve got my friends bought into! In the old world of banking how often did we actually recommend a bank! With Monzo I do it all the time! Reviewed on: 10th February 2025

Good for emergency It is very handy on rainy days

It is very handy on rainy days and the flexibility of payment makes it easier and more convenient to use Reviewed on: 10th February 2025

It’s been a great experience so far.

It’s been a great experience so far. I have been able to spread my payments over time and this helps me with budgeting and cash flow. Monzo has created a revolutionary product in Flex and they deserve to be celebrated for that. Reviewed on: 10th February 2025

Monzo is a top tier bank

Helped me every step of the way when I moved from my other bank, monzo flex has been a big help during tough periods and they give you a lot of help and support when needed Reviewed on: 10th February 2025

The flex credit card is amazing as it allows me to s...

The flex credit card is amazing as it allows me to split my purchases over 3 months with no interest charges and the budgeting section in the app means I don’t overspend Reviewed on: 10th February 2025

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