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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)

All round simple and convenient

Monzo Flex is nicely integrated into the app, has reasonable interest rates (and a generous interest free period). The ability to retrospectively flex a translation is handy at the end of the month Reviewed on: 6th February 2024

Class app.

Class app. Love it. Makes other banks looks ancient. Reviewed on: 6th February 2024

Love you Monzo

No complaints. Always been by my side Reviewed on: 5th February 2024

Never had any issues, easy enough to use.

Never had any issues, easy enough to use.great service Reviewed on: 5th February 2024

Monzo is really good for being able to flex payments...

Monzo is really good for being able to flex payments with little to no interest rates it also makes me feel comfortable spending my money Reviewed on: 5th February 2024

Consolidate accounts

Very simple to switch to current account and I like having all my cards in one place such as Flex and other providers Reviewed on: 5th February 2024

Flex(ibility)

Flex gives me exactly what is says on the tin- flexibly with my finances. Reviewed on: 4th February 2024

The app is amazing, so easy to use.

The app is amazing, so easy to use. They make banking simple. I love the way you can flex with the credit card spend so larger purchases can be spread out over a few months interest free. Reviewed on: 4th February 2024

Great bank and been with it since the start and help...

Great bank and been with it since the start and helped me save and use their flex card for many purchases and really how to use money well n invest aswell Reviewed on: 4th February 2024

Good experience

Monzo is generally easy to use, accessible, and had a good app UI that is simple to navigate. Most importantly, Monzo is incredibly simple and easy to use while abroad which has saved me a lot of money. All of this makes for an overall pleasant experience and I would recommend Monzo to most people as a tool for helping to get on top of holiday spending/budgeting. Reviewed on: 4th February 2024

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