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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3167 reviews)

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4.97

Based on 3,167 reviews, last reviewed 19th Apr 2026

32300% 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, Fair and flexible. Built my credit score Really easy to use, I got my first credit card with Monzo after being quite nervous to get one. It has been amazing, so much flexibility and it’s help... Read more Reviewed on: 19th 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 (3167)

Really good, great bank amazing interest

Really good, great bank amazing interest Reviewed on: 23rd February 2026

I've been a customer for years

I've been a customer for years and find everything from daily banking to credit so simple and user friendly. Rates are great and everything is transparent. The levels of personal control are amazing too. Reviewed on: 23rd February 2026

Can’t fault them.

Can’t fault them. Monzo are currently one of the best UK Banks. The app and Flex have great UI / UX. Reviewed on: 23rd February 2026

Fantastic choice and flexibility to allow me to mana...

Fantastic choice and flexibility to allow me to manage debt and credit effectively Reviewed on: 23rd February 2026

Monzo allows for a straightforward & clear experienc...

Monzo allows for a straightforward & clear experience when handling finances. I’ve never been more in control of my money than this. While I’ve heard stories about their customer service my anxiety surrounding my finances has reduced significantly. I appreciate all it’s free features and insights. Reviewed on: 23rd February 2026

highly recommend

I've had the account for 6 months plus. Really easy to use and to pay off. I can either do it over a period of time, or pay off all at once. Straight forward if you need to flag something and it's delt with quickly. Highly recommended Reviewed on: 23rd February 2026

I have had a great experience using Monzo Flex in th...

I have had a great experience using Monzo Flex in the past year. It has come in handy, I use it most for my Uber rides. One time I had a wrong transaction on it that turned into a subscription, Monzo support helped me sort it out Reviewed on: 23rd February 2026

It’s the best way to shop and keep an excellent fina...

It’s the best way to shop and keep an excellent financial health. Reviewed on: 23rd February 2026

Very good service and easy to use

Very good service and easy to use Reviewed on: 23rd February 2026

I love how easy Flex is to use

I love how easy Flex is to use. It’s been a great help in managing my monthly budget and big payments abroad, without any additional fees. Reviewed on: 23rd February 2026

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