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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)

Easy to use, easy to control

Monzo Flex is incredibly easy to use and links up with the rest of Monzo's features well. I feel in control of my money and have recommended Monzo bank, including the Flex feature, to many people. Flex payments become part of my scheduled payments for the following month, meaning the money is already accounted for on payday. Having the option to choose instalments in the app makes using Flex effortless, and being able to edit the installments is a great feature. I can also choose to repay my Flex balance early, with whatever amount suits me. Reviewed on: 1st February 2024

Monzo flex allows you to spread the cost of everyday...

Monzo flex allows you to spread the cost of everyday uses over 12 months which I love as it allows me to know after 12 months my card will be back to zero Reviewed on: 1st February 2024

Monzo flex is phenomenal!

Monzo flex is phenomenal! I wish it existed earlier. Reviewed on: 1st February 2024

Monzo really values customers i accidentally send mo...

Monzo really values customers i accidentally send money to the wrong person and they had it sorted less than a week which came with reassurance and constant updates which made the whole situation less of a headache, the next thing is the simplicity of the app, it is very easy to use your banking account and makes savings very simple too, the fact you can use a QR code to get paid by your friends or family is also a plus Reviewed on: 1st February 2024

Ease of use and pure simplicity

Ease of use and pure simplicity, along with exceptional customer service even when dealing with bots. Excellent all round modern banking Reviewed on: 1st February 2024

The best bank I’ve ever been with.

The best bank I’ve ever been with. I’m so glad I made the jump to move all my account over to Monzo. It has helped me save and be way more money smart! Reviewed on: 1st February 2024

Monzo is so easy to use and motivating to use money...

Monzo is so easy to use and motivating to use money responsibly Reviewed on: 1st February 2024

Just works perfect

Just works perfect, app very well done Reviewed on: 1st February 2024

BEST BANK

Monzo have been amazing when I’ve needed to contact them. Very clear Reviewed on: 1st February 2024

Excellent service all round everything works as it s...

Excellent service all round everything works as it should with great products on offer Reviewed on: 1st February 2024

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