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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.9 (3174 reviews)

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4.90

Based on 3,174 reviews, last reviewed 13th May 2026

78% 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)

Very easy to use and communicate with

Very easy to use and communicate with Reviewed on: 27th February 2026

Very impressive service, very easy to use the app.

Very impressive service, very easy to use the app. Overall its 10/10 Reviewed on: 27th February 2026

Best non-rewards credit card

Monzo flex doesn't have airmiles or cashback, and I still choose to use it over any other credit card. It's so easy to use, costs are always incredibly clear even before you make any payments or adjustments, and it helps me manage my spending like nothing else can. And it has a bonus feature of being able to flex past transactions from my debit card and essentially borrow that money back in the short term without any fees, which is brilliant. Reviewed on: 27th February 2026

Monzo flex is awesome.

Monzo flex is awesome. It’s so easy to use and helps my finances. Reviewed on: 27th February 2026

Best credit card highly recommended

Best credit card highly recommended Reviewed on: 27th February 2026

Its helped me to improve my credit score

Its helped me to improve my credit score Reviewed on: 27th February 2026

I have had amazing customer service with Monzo Flex.

I have had amazing customer service with Monzo Flex. I have only had to contact them a handful of times for issues, not in their control, such as when I believed I was scammed via a phone call and gave away information. They very quickly helpped and a new card was with me within 48 hours. Reviewed on: 26th February 2026

Easy to use, excellent customer service

Easy to use, responsible credit limits with regular reviews, easy to adjust plans, interest free payments, fantastic customer service Reviewed on: 26th February 2026

Best service in the UK for personal and business dua...

Best service in the UK for personal and business dual friendly chat support agents Reviewed on: 25th February 2026

Flex credit card easy to use and track upcoming paym...

Flex credit card easy to use and track upcoming payments and when they're due. Nice to be able to split into 3 month interest free payments. Reviewed on: 25th February 2026

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