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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)

Best bank ever

Great, intuitive app, customer service is always responsive and easy to speak to. Products and services are also amazing and second to none, love being able to sort money and set up virtual cards linked to pots, really helps me budget Reviewed on: 9th February 2025

Very good experience so far

Had a good experience so far, very easy to pay and move money around Reviewed on: 9th February 2025

Flex by name, flex by nature

I’ve found the flex product the best of its kind. Monzo’s execution of it is genuinely designed for customers and helps to use it the product safely. Reviewed on: 9th February 2025

Excellent bank just what I need to bank all my needs...

Excellent bank just what I need to bank all my needs are full Reviewed on: 9th February 2025

Monzo is great!

One of the best credit cards I have. Integrates really well into Apple Wallet making purchases and flexible payments super easy. They are setting the standard of what a digital-first bank and credit card should be like. Reviewed on: 9th February 2025

Customer service and Interest Free

Customer service is always quick, timely and issues are swiftly dealt with clearly. The ability to flex payments as interest free over 3 months is novel, unbelievably helpful and outstanding. Reviewed on: 9th February 2025

Easy Repayment Options

Very easy to spread repayments if full payment isn’t an option. Everything is clear and there’s no complications Reviewed on: 9th February 2025

Best bank ever, easy to transfer, easy to track your...

Best bank ever, easy to transfer, easy to track your spending and saving and the flex card is a bonus Reviewed on: 9th February 2025

Love the three month interest free option

Love the three month interest free option and the ease of using the app Reviewed on: 9th February 2025

Super easy to use, recommend to everyone.

Super easy to use, recommend to everyone. Way better than other credit card providers in that I can use flex after the purchase has been made. Love that I can pay it off so easily when my current account balance is higher. Good credit limit too. Reviewed on: 9th February 2025

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