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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

57% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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 (3174)

When I encounter a issue, it is dealth within a good...

When I encounter a issue, it is dealth within a good time frame Reviewed on: 8th February 2025

The app is the best of any bank, everything works sm...

The app is the best of any bank, everything works smoothly and I've had no problems. Reviewed on: 8th February 2025

It’s just a brilliant and easy app to use.

It’s just a brilliant and easy app to use. Reviewed on: 8th February 2025

Monzo Flex is the best and most simple credit card i...

Monzo Flex is the best and most simple credit card i’ve used… and i’ve used a lot. Reviewed on: 8th February 2025

Easy, convenient.

Easy, convenient. Great banking for the time we live in. Best credit card ever. Fair terms, interest etc. Reviewed on: 8th February 2025

Best bank ever so modern and with the times

Best bank ever so modern and with the times Reviewed on: 8th February 2025

Excellent service.

Excellent service. Does exactly what’s expected Reviewed on: 7th February 2025

Great For Budgeting

This credit card allows me to budget for larger purchases and pay them off over three months, interest free. Perfect. Reviewed on: 7th February 2025

I find the credit card incredibly simple to use, whi...

I find the credit card incredibly simple to use, while also being flexible. Similar to Klarna in its style, it's a more modernised credit card than having to pay back everything the following month, or you'll incur charges - you instead have the option to spread the payments over 3 months (interest free) or 6/12 months instead! Reviewed on: 7th February 2025

Monzo Flex is genius!

Monzo Flex is genius! Flexible spending (e.g. Klarna) has gained popularity in recent years but I've never trusted it. With Monzo, I was instantly on-board because I can see exactly what's happening next to my current account. Reviewed on: 7th February 2025

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