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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 has become my primary everyday bank!

MONZO has become my primary everyday bank! I use it more each day as it’s reliable and the App is easy to navigate! The offers such as MONZO Flex is unique and has saved me hundreds of pounds in interests! Reviewed on: 2nd February 2024

best online banking,

I find one so easy to use with secure a easy easy to use easy to update able to get your money early the next day at 4 pm. Absolutely brilliant Reviewed on: 2nd February 2024

Monzo is easy to use prompts me so I keep my money i...

Monzo is easy to use prompts me so I keep my money in check. Great layout I can see everything that I need on the home page. Reviewed on: 2nd February 2024

So easy to set up and use.

So easy to set up and use. I love that Monzo also take your feedback on board really quickly - I suggested that they provide an option to pay a set amount from your whole flex balance off, and the next time I logged on the option was there! Reviewed on: 2nd February 2024

Easy and fun to use!

Easy and fun to use. They simplify banking so well and they are a refreshing approach to money management. The app is geared towards helping people save, spend and manage their money in the most secure and rewarding way all the time. Reviewed on: 2nd February 2024

Best credit ever!

Best credit ever! 3 months interest free and a further option for longer repayments with reasonable interest just makes it fantastic! With the option to repay early as well, makes you feel in control! Reviewed on: 2nd February 2024

Flex allows me full control whilst 3 repayments on 0%in

Flex allows me to be in full control whilst paying back with zero percent interest within a three payment plan of course, don't get me wrong Monzo Flex offers even more to that repayment plan, so they would split it over three months or up to 24 months, fantastic! Reviewed on: 2nd February 2024

Flexible credit and instalment card

I was surprised by the simplicity, clarity and flexibility of the Flex card. It enabled me to spread payments for larger items interest free over three months at no extra cost and I found the information in the app, giving me advance notice of all future payments extremely helpful. I definitely recommend it. Reviewed on: 2nd February 2024

Pretty clean UX and transparent fee.

Pretty clean UX and transparent fee. Flexible adjustment to monthly payment Reviewed on: 2nd February 2024

Easy to navigate, pleasant interface, smart options

Easy to navigate, pleasant interface, smart options Reviewed on: 2nd February 2024

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