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Monzo: Flex Purchase credit card reviews

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

View other Monzo products

4.95

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

100% 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

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

Love it amazing banking obeeessed with it reccomend...

Love it amazing banking obeeessed with it reccomend it to all my friends x Reviewed on: 3rd April 2025

Flex is super easy to use and manage, and has been a...

Flex is super easy to use and manage, and has been amazing for budgeting those larger purchases with no interest attached. Reviewed on: 3rd April 2025

Monzo 10/10

Easy to use - stress free - can always rely on it when I’m stuck Reviewed on: 3rd April 2025

A Refreshing Take on Banking

I’ve been using Monzo for about four months now, and honestly, I don’t think I could go back to a traditional bank. Before Monzo, I was with a high street bank that felt outdated—slow transactions, clunky app, and hidden fees. Switching to Monzo has been a breath of fresh air. Features & Benefits: Instant Spending Notifications – One of the first things I noticed (and loved) was the instant transaction alerts. The first time I used Monzo, I tapped my card at a shop, and my phone buzzed with the amount before I even put my card back in my wallet. It’s such a small thing, but it makes spending feel way more transparent. Budgeting & Savings Tools – I used to check my bank balance at the end of the month and wonder where did all my money go? But with Monzo’s budgeting feature, I can see exactly what I’ve spent on groceries, eating out, and subscriptions. I even set up a savings “Pot” for an upcoming trip, and rounding up spare change into it has added up surprisingly fast! Fee-Free Spending Abroad – I recently used Monzo while on a short trip, and it was a game-changer. No extra charges, no worrying about exchange rates—just tap and go. A friend got charged a sneaky 3% fee with their bank, but I paid exactly what I saw on the screen. Easy Money Transfers – Splitting bills with friends is effortless. Instead of dealing with long account numbers, I just send money instantly via Monzo, and they get a notification right away. Great Customer Support – I had a minor issue when a subscription took money out earlier than expected. I messaged Monzo through the in-app chat and got a helpful response within minutes. No call queues, no waiting on hold—just quick and friendly support. Drawbacks: Cash Deposits – I don’t use cash much, but when I tried to deposit some birthday money, I had to go to a PayPoint, and they charged me £1 for it. Not a huge deal, but something to keep in mind if you deal with cash often. No Physical Branches – Everything is digital, which is perfect for me, but if you like visiting a bank in person, Monzo might not be the best fit. Interest on Savings Could Be Better – While I love the savings tools, the interest rates aren’t the highest unless you open a savings account with Monzo’s partner banks. Final Verdict: After four months with Monzo, I can say it’s made banking way more intuitive and hassle-free. The app is sleek, transactions are instant, and the budgeting tools have genuinely helped me manage my money better. It’s perfect if you’re comfortable with digital banking and want more control over your finances. That said, if you handle a lot of cash or prefer traditional banking, it might not be the best option. But for me, Monzo has been an absolute win! Reviewed on: 3rd April 2025

Safe Banking with Monzo

Monzo is safe and their app has the most user friendly interface I have ever seen with Banks. Reviewed on: 3rd April 2025

Good& easy to use the card

good , Easy to use . always working Reviewed on: 2nd April 2025

Its really good to manage my finances

Its really good it’s helping me a lot to buy anything and pay in instalments Reviewed on: 2nd April 2025

A smooth banking with great flexibility.

A smooth banking with great flexibility. And lots of payment options for the expenses and safe for transactions. Reviewed on: 2nd April 2025

I love Monzo for its savings pots and flex card whic...

I love Monzo for its savings pots and flex card which have led me to make it my main banking account since 2023. Also love the end of year wrap up. Easy to use, not flogging merchandise at me and delivers when I need it! Reviewed on: 2nd April 2025

10/10 would do it again for the free greggs

Never had any issues with the bank, the only time I had to contact customer service it was solved pretty fast Reviewed on: 2nd April 2025

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