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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)

Amazing amazing amazing amazing amazing

Amazing amazing amazing amazing amazing Reviewed on: 10th February 2024

Opening a Monzo flex card for an upcoming holiday wa...

Opening a Monzo flex card for an upcoming holiday was so easy - I really appreciated being able to seamlessly open the account in the app and then start using it straight away. The payment experience is always flawless, unlike some e.g. Amex, who’s 3DS implementation seems to be broken for half the merchants I use. Reviewed on: 10th February 2024

Flex is a game changer

Flex is a game changer. The reassurance of using a credit card without huge interest fees. Freedom to change repayment term to longer (up to 23 months) or shorter if needed. If you select 3 or less months it’s interest free! A brilliant alternative to generic credit cards or loans Reviewed on: 9th February 2024

Easy to manage monthly payments.

Easy to manage monthly payments. Great flexibility in instalment plans. Easy to pay off early if wanted Reviewed on: 9th February 2024

Best credit card I’ve had!

All the charges are very transparent I’m very impressed with the 3 months interest free payments. This was very useful over Christmas and for splitting up the cost of expensive purchase. Reviewed on: 9th February 2024

I would only ever suggest Monzo!

I would only ever suggest Monzo! Monzo is the best banking I have ever used. I am a visual learner and so the physical pots and distinguishable colours help me organise my money so much better. I also utilise the investment and savings options. Reviewed on: 8th February 2024

great system

as a 19 year old it has been an easy transition into credit to build up my credit history. easy to use and manage Reviewed on: 8th February 2024

So wonderful, just the best online banking so far

So wonderful, just the best online banking so far Reviewed on: 8th February 2024

Monzo has been my main bank for over 4 years...

Monzo has been my main bank for over 4 years now and they have just got better and better. I really enjoy using their app and think they are leading the way in terms of innovation and service quality in the banking sector. Reviewed on: 8th February 2024

Very easy to use an simple good service

Very easy to use an simple an an give advice how to manage a money paying bill Reviewed on: 8th February 2024

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