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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2512 reviews)

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4.95

Based on 2,512 reviews, last reviewed 13th Jan 2026

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Never get caught out by hidden fees with Monzo Flex I've been using Monzo Flex for just over a year now and love how transparent and easy it is to use. Every time I make a purchase, I can really clearly... Read more Reviewed on: 13th January 2026

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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 (2512)

Review of the Monzo, Flex Purchase credit card:

Monzo led the way

How interesting that Monzo would offer a new way of banking - be it saving pots to fit your needs, splitting the price in 3 to make payments more affordable, the ability to freeze/unfreeze your card if/when you can’t find it to keep it safe.. then… other banks would copy the ideas later - clearly Monzo are leading the way Reviewed on: 3rd March 2023

Best bank!

I think that Monzo are the best bank that I have used. Their customer service is exceptional, the usability of their online system is fantastic. I would not hesitate recommending Monzo to any family or friends. Reviewed on: 7th April 2025

The must flexible Credit Card

Flex Credit Card is the must flexible credit card in the market. The possibility to pay back a bit on each transaction individually is a function that other cards don't have. Monzo Flex has exceeds on is versatility and flexibility. Reviewed on: 7th April 2025

The best bank ever.

The best bank ever. Everything they offer is perfect Reviewed on: 7th April 2025

The Perfect Banking App

The additional perks tier makes the bonuses you get monthly pay for themselves. They provide me with everything I need in a single place with an easy to understand UI and give me so many options on how to manage my money Reviewed on: 7th April 2025

Five stars

Excellent bank! And easy way to use monzo flex credit card! Reviewed on: 6th April 2025

Good service.

Good service.All options are in one app. Reviewed on: 6th April 2025

Loved using Monzo since day one and will continue to...

Loved using Monzo since day one and will continue to use it Reviewed on: 5th April 2025

It really is flexible

I guess it's all about the app which continues to evolve and feels far in advance of it's rivals. The link between my main Monzo account and my Flex card is very useful and Flex is great to spread costs over 3 months, interest free. Reviewed on: 5th April 2025

The best credit card I’ve ever had.

The best credit card I’ve ever had. It’s flexible with a ton of benefits. Easy to use and to stay in control. Reviewed on: 5th April 2025

I am using monzo from 2 years and I am happy with mo...

I am using monzo from 2 years and I am happy with monzo service Reviewed on: 4th April 2025

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