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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% 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

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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 (3086)

Monzo are amazing!

Monzo are amazing! their customer support is super friendly and helpful, and they have so many options within their bank (Flex, Investments, Savings, Pots etc...). Their beenfits are beyond others and I feel safe banking with them. Reviewed on: 5th February 2025

Great product, fair and clear, easy to understand cr...

Great product, fair and clear, easy to understand credit and interest Reviewed on: 26th January 2025

Simply Amazing

I have been using Monzo for 2 years, and it's simply amazing. From every day use, to credit card, to savings or investments, it covers everything with a clean design and perfect content to make every user understand and learn. The fees for the investments could be a little bit high and interest on savings not the highest, but worth for the service they give. Strongly suggested. Reviewed on: 13th January 2025

Monzo Flex Credi Card is so good that I can feel hap...

Monzo Flex Credi Card is so good that I can feel happy in every transaction. Reviewed on: 17th September 2024

Its amazing invention from Monzo banking on line I l...

Its amazing invention from Monzo banking on line I love Monzo keep going guys you are doing well Reviewed on: 17th September 2024

A very solid 9/10 experience

A very solid 9/10 experience, since using Monzo my financial health has definitely improved and would recommend. Reviewed on: 24th August 2024

Awesome flexibility

You can spread the costs over a longer period of time Reviewed on: 24th August 2024

I love how easy the flex credit card is to use.

I love how easy the flex credit card is to use. The ability to choose the repayment terms for each purchase, so I can decided if I want to take extra time or not is so refreshing. I also like that you can do overpayments and move purchases from my regular Monzo account over to flex if I need to. It's just such an easy system to help manage my money. Reviewed on: 24th August 2024

A Game-Changer in Financing

Monzo Flex allows you to spread the cost of your purchases over 3 to 12 months, giving you the freedom to choose a repayment plan that suits your budget. This flexibility is what truly sets it apart from traditional credit cards. Whether you're buying something small or making a larger investment, you can decide how much you want to pay each month, and Monzo handles the rest. Reviewed on: 23rd August 2024

Simple and cheap borrowing

Easy to use and makes it very clear what is owed and when. No hidden charges. A very useful feature of the Monzo current account. Simple and cheap! Reviewed on: 23rd August 2024

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