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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)

Grounbreaking BNPL/Credit offering!

Grounbreaking BNPL/Credit offering! Monzo Flex is a unique solution to the BNPL/Credit arena, with multiple repayment options. Being able to 'Flex' a qualifying existing transaction is amazing and helps with financial control & decisions. Top marks! Reviewed on: 8th March 2024

I have been using monzo for a long time and I am ver...

I have been using monzo for a long time and I am very happy with this card Reviewed on: 7th March 2024

Monzo has been really user-friendly.

Monzo has been really user-friendly. I like cash withdrawals of £400 without any interest on top Reviewed on: 5th March 2024

Transparency

Flex is great. They are very transparent about any fees on there, gives me an option to split every payment into smaller installments, and tells me what the interest would be. Its very simple, I get notifications of when my payments are going to come out, so I can easily keep track. Reviewed on: 5th March 2024

Low interest rates

The Monzo flex credit has been very helpful and the interest rate is quite low. I like the flexibility of being able to pay back what I have used in small bits and use the money again, once I’ve paid into flex. Reviewed on: 5th March 2024

Love Monzo.

Love Monzo. Everything is great and products are fantastic. Reviewed on: 4th March 2024

Amazing bank

Never had an issue. Staff are amazing if you need help. Best bank out there Reviewed on: 3rd March 2024

Fantastic bank they’ve best staff

Fantastic bank they’ve best staff Reviewed on: 1st March 2024

Monzo has the best services (products) on the market !

Monzo has the best services (products) on the market ! Reviewed on: 1st March 2024

Monzo flex- genius

It gives you more control over the payments than you normally would with any other credit card. The fact you can make a purchase in your account and unto 2 weeks later have it on your credit card is genius Reviewed on: 26th February 2024

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