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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)

Fast service

Excellent customer service experience with speed Reviewed on: 14th April 2024

Covid life safer

I use the flex credit card too, it's amazing. The first time a bank has listened to what people want. I used a virtual card in my own account to setup online shopping for an elderly relative that was scared of shopping online. This means I pay from a pot and she can't get scammed for more than is in the pot and I can delete the card and create a new one if it is compromised. This helped us servive during covid. Reviewed on: 14th April 2024

Perfect alternative to a credit card

Relatively high limit (3000 already although I have only been using it for 6 months), 0% interest in first 3 months after purchase, easy application process Reviewed on: 14th April 2024

Monzo flex - FANTASTIC

Monzo flex is how credit card should be. Very transparent and clear what’s the balance left and how much is paid in interest. As well is designed in a way that you can only pay in 24 months which is great as it doesn’t allow you to drag the debt forever and ever. Reviewed on: 14th April 2024

Always been so easy to use and user friendly

Always been so easy to use and user friendly Reviewed on: 13th April 2024

The best credit card product I’ve ever used.

The best credit card product I’ve ever used. Allows me to stay on top of spending and repayments. Reviewed on: 12th April 2024

Flex is the future of credit.

Flex is the future of credit. It offers so much flexibility that it is a pleasure to use. Credit limits should be higher though. Reviewed on: 12th April 2024

Monzo flex is a lifesaver

Monzo flex is a lifesaver when it comes to the unexpected I.E home repair and car etc, making it easy to flex payments over however long I need Reviewed on: 12th April 2024

Monzo Flex Credit card is very easy and good for...

Monzo Flex Credit card Reviewed on: 12th April 2024

My Review

I like the product and is something other banks should follow with. Could do 6 month interest free BNPL option, Not so fond of the upcoming fees rise Reviewed on: 12th April 2024

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