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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)

Monzo Flex has the best app on the market!

Monzo Flex is easy to use, provides excellent value for money and has one of the best apps on the market for managing your money. Unlike other credit cards you can dial down on each purchase and choose an individual plan for paying it off. This allows you to 'flex' larger purchases over a longer period of time if required. It's easy to see when a payment is due and forecast what future payments are likely to be. It's has the most user friendly experience of any credit card I've used and I've been really pleased with the service. Reviewed on: 26th February 2024

I once missed a payment and Monzo kindly allowed me...

I once missed a payment and Monzo kindly allowed me in a 30 day free window which allowed me to have less stress and comfortably pay the flex payment with no issues Reviewed on: 22nd February 2024

Monzo offer me a flex when I need the most

Monzo offer me a flex when I need the most Reviewed on: 22nd February 2024

i have tired many different banks but this is the on...

i have tired many different banks but this is the only one that has worked for me, i think flex is one of the best features it allows me to have some sort of credit but i know it won't get me into trouble as it is so easy to manage Reviewed on: 22nd February 2024

Very useful features, such as 3 monthly installments.

Very useful features, such as 3 monthly installments. Reviewed on: 22nd February 2024

Good as long as you can stay on top of the payments!

Good as long as you can stay on top of the payments!! Reviewed on: 21st February 2024

So easy to use and great value

So easy to use and great value. Great interest rates. Monzo flex is brilliant too Reviewed on: 21st February 2024

Fantastic app and banking experience.

Fantastic app and banking experience. Brings life to your finances Reviewed on: 21st February 2024

Monzo , banking done right

Monzo have always been great at offering services to make my financial life easier. They always provide the best rates to their customers and everything can be done within their app. I recently used the Flex service to pay for an purchase in 3 payments and found the whole process straight forward and easy. Reviewed on: 21st February 2024

Monzo makes banning easy

Everything is really clear and visible with transactions. I like the fact it does your prices of paying items off. All the functions work really b well on my phone Reviewed on: 21st February 2024

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