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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)

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

prompt and informative customer service

prompt and informative customer service Reviewed on: 10th February 2025

It’s great, very easy to use and great benefits

It’s great, very easy to use and great benefits Reviewed on: 10th February 2025

Monzo flex is amazing!

Monzo flex is amazing, not only it offers you the option to split the payment over a duration of your choice, but they also give an interest free option. The app interface is well designed and easy to use. Just love it! Reviewed on: 10th February 2025

Monzo Flex credit miles ahead of the competition!

Great App, feels like monzo put the consumer first rather than just making a profit from high APRs. Good limits. And lots of options to spread the cost. This is credit how it should be done! Reviewed on: 10th February 2025

It give you hope where there is no hope

It give you hope where there is no hope Reviewed on: 10th February 2025

Exceptional service

My experience using MONZO has been great, exceeding my expectations, I would highly recommend to my friends and family Reviewed on: 10th February 2025

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