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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3124 reviews)

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4.97

Based on 3,124 reviews, last reviewed 8th Apr 2026

60700% 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

Great, that you can choose your payment plan for all... Great, that you can choose your payment plan for all purchases. Means I can keep within my budget when paying back. Interest rate also good compared t... Read more Reviewed on: 8th April 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 (3124)

Monzo flex is fantastic!

Monzo flex is fantastic! Super easy to use, super easy to pay and make extra payments on if you’d like. Good flexibility too with payment options. I never have to stress out as long as I got my flex to help me if I ever need it Reviewed on: 6th February 2024

It's good that I can pay my card off in total anytim...

It's good that I can pay my card off in total anytime before the 1st installment to save interest charges. Reviewed on: 6th February 2024

Looking for a credit card? THIS IS IT!!

I have recommended Monzo to my friends and family including the flex card. It is so easy and accessible. I would say it is better than Klarna. You can have interest free payments or if you’re struggling to pay back on 3 you can have a little bit of interest for a longer time!! As a bank I can’t knock their app, quick for notifications and you are able to pay early, delay payments and change your payment plans to suit your needs!! If your going to apply for a credit card this is the one you want!! Reviewed on: 6th February 2024

I find Monzo very easy to use!

I find Monzo very easy to use! Very good value for money. The app is easy, easy to check accounts, save and transfer money. The Monzo flex option is also great option especially helps a lot towards the end o the months! Reviewed on: 6th February 2024

One of the, if not the best bank/ card I’ve had.

One of the, if not the best bank/ card I’ve had. Amazing for travelling abroad and also keeping track of expenses. Reviewed on: 6th February 2024

Monzo Flex is great for longer payments

Monzo Flex has been great for larger payments that you feel should be split over time and makes the process easy to understand. Reviewed on: 6th February 2024

Love the ease of everything and being able to watch...

Love the ease of everything and being able to watch interest rise daily/monthly. Reviewed on: 6th February 2024

Flex is easy to use fast & convenient with simple te...

Flex is easy to use fast & convenient with simple terms stated upfront Reviewed on: 6th February 2024

I absolutely love Monzo

I absolutely love Monzo, it’s completely changed my money habits for the better, with it being so easy to manage my money. Reviewed on: 6th February 2024

Best bank ever!

Incredible app, easy to use, visibility of spending and saving. Different options to spread across Flex payments. I have got everyone of my family with Monzo and they love it as much as I do! Transferring money has never been easier and the search feature is amazing. Reviewed on: 6th February 2024

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