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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

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 They make other credit cards look outdated!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

Monzo's Flex has changed the way I approach credit

The flex credit card is such a good idea - one of those things where you wonder how no one has implemented something like this before. That is Monzo's gift - using Flex is so uncomplicated whereas I'm sure it presents a real challenge to build and deliver. Reviewed on: 24th May 2024

Monzo is great, the customer service is fantastic an...

Monzo is great, the customer service is fantastic and it feels really easy and secure. They offer loads of services and their savings interest rate is fab! I'd recommend them to anyone! Reviewed on: 24th May 2024

I decided to get the flex credit card as I had used...

I decided to get the flex credit card as I had used pay in 3 before for other products but with the flex card you can use pay in 3 easily in store and online. The options to payback the money are easily shown and broken down so you know how much you'll be laying when and how much the interest will be too. Reviewed on: 24th May 2024

Reasonable rates, good app and responsible lending.

The Monzo App is great and flex provides a reasonable rate credit line to use alongside the current account. Lower interests and monthly full repayments gives a safe way of using credit without risking an overstretch. Reviewed on: 23rd May 2024

Good for credit score

Always a great customer service and flex is really handy in keeping spending while also working to increase my credit score Reviewed on: 23rd May 2024

Genius approach

I have never had problems with Monzo and I’m always made aware of when I’m spending too much and the options to make payments and then flex them later is a game changer. Reviewed on: 20th May 2024

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