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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (3006 reviews)

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4.97

Based on 3,006 reviews, last reviewed 24th Feb 2026

49300% 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

Fantastic. Fantastic. Monzo always comes through for me financially Reviewed on: 24th 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

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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.

Monzo Flex Purchase credit card reviews (3006)

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

Excellent credit options, easy to use app.

Excellent credit options, easy to use app. So much flexibility for payments, current account, flex credit and loans. Great customer service! Best bank ever - love it! Reviewed on: 11th February 2026

By far the best on the market!

This credit card and payment system is by far the best on the market. It makes it very clear how your repayments work and even has choices to chamge that repayment if you ever need to. No penalties for paying items early. You can pay back over 1 or 3 months interest free or 6 to 12 months with interest. It shows clearly how much that interest is going to be so there is no nasty surprises. Reviewed on: 11th February 2026

Monzo bank have excellent saving account.

Monzo bank have excellent saving account. Investment. Flexible credit card and much more available then elsewhere Reviewed on: 11th February 2026

Very easy to use & simple to see what you’re being c...

Very easy to use & simple to see what you’re being charged Reviewed on: 11th February 2026

The flex card is everything you’ve dream of in a CC.

The flex card is everything you’ve dream of in a CC. You set your repayments, you chose per purchase you can even easily withdraw from the card as needed, honestly cannot fault it. Reviewed on: 11th February 2026

It's the best credit card I've ever used.

It's the best credit card I've ever used. Perfect app, easy repayments, change the payment date or length of repayments with ease. Lots of support if I was struggling and some of the best customer experience I've ever had. Reviewed on: 11th February 2026

Very flexible payment options and accessible to ever...

Very flexible payment options and accessible to everyone! Reviewed on: 11th February 2026

Flex saved my credit score!

Awesome product and efficient customer service. As a student with a part-time job, I made some bad financial decisions and killed my credit. Flex helped me heal my credit score slowly but steadily ever since I started using it. Would recommend to anyone who is a beginner or wants to fix their credit. Reviewed on: 11th February 2026

Monzo flex lets you Flex purchases later

Monzo flex lets you ‘Flex’ purchases that you already made using your Monzo debit card. This is super useful as you can pick and choose what you would like to get on credit anytime after the event, and this really helps build your credit rating over time. Not to mention the 0% interest rate options! Reviewed on: 11th February 2026

I have 3 separate accounts with Monzo, current, busi...

I have 3 separate accounts with Monzo, current, business and flex and all are very easy to understand and keep to tabs with especially with a hectic schedule Reviewed on: 11th February 2026

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