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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)

I love my Monzo flex, easy payments and very flexibl...

I love my Monzo flex, easy payments and very flexible, can choose how long you want to pay back and can always pay more and edit the frequency. Monzo in general have good service Reviewed on: 14th June 2024

I'm using Flex quite often, it's better than credit...

I'm using Flex quite often, it's better than credit cards and if you choose to use only 3 installments, you don't pay any interest. It helped me incredibly during a stressful time when I was moving apartments and went from furnished to unfurnished. Thanks to Monzo Flex I was able to buy everything I needed without taking a loan and paying a lot of interests! Reviewed on: 5th June 2024

Best service ever all rounds, next step is the mort...

Best service ever all rounds, next step is the mortgage please work on that. Reviewed on: 2nd June 2024

Monzo Flex etra liney holidays

Monzo Flex helped me in the worst situations during the holidays, saved my life so many times, I just love it and recommended to all my friends Reviewed on: 1st June 2024

Have never had a service be so freeing about interes...

Have never had a service be so freeing about interest free credit Reviewed on: 31st May 2024

Monzo Flex helps me be in control of my spending

MONZO help me to manage my spending very well and enable me to be able to spread the cost of items with their flex card to fit my current needs - the ability to choose how many instalments to pay off each purchase is super handy! Reviewed on: 30th May 2024

Monzo flex is incredible

Monzo flex is so easy to use. It's loads better than any other credit card as all of the terms are laid out right there, and you can change them super easily. They make other credit cards look outdated! I've used it for a wedding, house renovation and a little bit of a holiday, and not once missed a payment or felt "in debt" - just an easy way of managing big spends. Reviewed on: 29th May 2024

Great app, user friendly and flexible.

Flex is such a great idea giving you a physical card In the form of flexible repayments. It’s clear and very user friendly. Reviewed on: 28th May 2024

User friendly.

User friendly. Easily laid out, I like the option to split in 3 payments interest free. Good app. Reviewed on: 28th May 2024

I've loved using Monzo Flex

I've loved using Monzo flex as I can easily pay it off at any time or split any payment into 3 interest free payments to make it more manageable if I need more money immediately. It's by far the best banking app. Reviewed on: 27th May 2024

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