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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3120 reviews)

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4.97

Based on 3,120 reviews, last reviewed 8th Apr 2026

60300% 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

Easy to use the monzo app and getting credit too. Easy to use the monzo app and getting credit too. I also open up different pots to save, virtual cards to use online to avoid scam and get cashback fr... 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 (3120)

A bank for the people ..

A bank for the people listening to the needs and providing. Reviewed on: 1st February 2024

Prompt response and early cash availability before...

Prompt response and early cash availability before salary day. Credit facilities is also a top notch. Reviewed on: 1st February 2024

Monzo Plus not worth the money.

Monzo Plus not worth the money. You don't really get anything worthwhile, it seems like it's just features that should be available as standard that got put randomly behind a paywall. At least Premium comes with phone and travel insurance. Reviewed on: 1st February 2024

Great Credit made simple and easy

Monzo have always been great and I’m making it my sole bank as a result. Flex is easier than any other credit I have used and the app makes it very clear what is owed and easy to change repayments. I love the flexibility of it, and also the info on the app to help with debts etc Reviewed on: 1st February 2024

You can do pretty much everything on their app and f...

You can do pretty much everything on their app and flex provides with an interest free way to pay for things. Reviewed on: 1st February 2024

Absolutely love it!!

Always used monzo as my main account and the flex card is just perfect for how I spend my money and managing my credit the new 24 month payment option is great for any long term payments for some more expensive things Reviewed on: 1st February 2024

It’s never too late to join the winning team

Have been a loyal customer for few years now: started with using it as a savings account, through using it when travelling abroad, now use it for everyday banking incl a loan as well as benefitting from Monzo plus, savings for different goals as well as easily transferring money to family and friends both in the UK and abroad. Reviewed on: 1st February 2024

Monzo is fantastic for managing my expenses and bank...

Monzo is fantastic for managing my expenses and banking all in one place. Also the credit card is the best one i have ever had 3 month 0% what more could you want. Reviewed on: 1st February 2024

Great bank

Easy to use excellent service number 1 card to use abroad Reviewed on: 1st February 2024

Sponsorship Crew

Great bank as someone who arrived in Uk recently it’s been great Reviewed on: 1st February 2024

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