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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% 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

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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 (3086)

Beautifully designed app which is simple and effective.

Beautifully designed app which is simple and effective. The bank is perfectly transparent and easy to understand. Communication is excellent and clear Reviewed on: 22nd January 2024

Good bank

Good bank, easy to save money and good rates for credit cards Reviewed on: 22nd January 2024

Flex is a dream, always wanted the ability to treat...

Flex is a dream, always wanted the ability to treat money like this. Monzo essentially allows me to run my personal account like a P/L. I know to some that sounds like a nightmare, but it’s how I think about money. Reviewed on: 22nd January 2024

Monzo Flex has been a game changer for me.

Monzo Flex has been a game changer for me. Giving me a healthy credit line, and allowing me to better manage my cashflow. I love the fact you can use it as a regular credit card as well as selecting transactions as BNPL instalments (at purchase time or afterwards). My previous credit card feels old fashioned compared to Monzo Flex with the brilliantly easy UI all in the same app as my current account. Reviewed on: 22nd January 2024

Monzo flex has been a life saver.

Monzo flex has been a life saver. It give you that freedom to buy what you need and pay over as many months as you need. With small interest. Reviewed on: 22nd January 2024

Excellence

From the app to other incentives.. Monzo is way better than most physical banks. Reviewed on: 22nd January 2024

Great credit for a beginner.

Mozo flex has been excellent for helping me be comfortable and consistent with taking credit, and knowing how much I owe at any given time. Since using it, I've been able to boost my credit score, and be more confident in the idea of using credit, and understanding the associated fees. Reviewed on: 22nd January 2024

A credit card with full visibility

So much better than my old credit card, it helps me see what my next monthly payment is going to be and what it is I am actually paying off, and it makes it easy to reduce my monthly payment. With my previous credit card I had no idea what my payment would be, what I was paying off and how long it would take me to pay off my balance, and what interest I was paying. Monzo flex completely changes this by showing me all this information, when I purchase something so I can make an informed choice there and then. Reviewed on: 22nd January 2024

I have been using monzo for long time , no...

I have been using monzo for long time , no complaints Reviewed on: 22nd January 2024

Great bank, great product.

Great bank, great product. Flexible products, a forward thinking bank. Reviewed on: 22nd January 2024

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