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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)

The bank of today and our tomorrows.

My business and personal accounts with Monzo have been some of the best bank account experiences. No fuss, virtually no fees and great customer service, beats the high street banks hands down, they are the bank of today and our tomorrow's. Reviewed on: 20th January 2024

Very good reliable service easy to use always know w...

Very good reliable service easy to use always know where you stand financially Reviewed on: 20th January 2024

Best bank account and credit card experience I've had.

Best bank account and credit card experience I've had. Being able to decide how a credit card payment is paid back is the sort of flexibility all card providers should offer. Reviewed on: 20th January 2024

Easy to use and great to spread payments

Easy to use and great to spread payments Reviewed on: 20th January 2024

Convenient and transparent 100% recommend! !

Monzo are such a convenient way to bank! Monzo flex offers transparent and affordable credit options and being able to claim my salary early each month is a god send! I reccomend Monzo to all my friends family and colleagues! Reviewed on: 20th January 2024

Flex is a great product and I make good use of the t...

Flex is a great product and I make good use of the three months interest free feature Reviewed on: 20th January 2024

Getting better and better

I ' ve been with Monzo for about 5 years now and I must say that everytime is getting better, the rates, how easy is to save money, investments. Simply great! I am a please customer Reviewed on: 20th January 2024

As i was a student who was only doing part time, all...

As i was a student who was only doing part time, all of a sudden my uni ask me to pay my fees in full and i used to monzo flex for 4000 in full. And later i payed monthly by splitting it to 3. It was a stress reliving moment for me. i wish monzo flex would include their service for transfers as well. Reviewed on: 20th January 2024

There’s simply nothing negative to say!

Having opened my Monzo account as a secondary account when travelling, it quickly became my primary bank account. It has a highly functional, fun to use and easy to navigate app which works every day - even weekends and bank holidays. Having been offered a Flex element to my account, I tried it and loved it. Like a credit card but much, much more. My choice of payment schedule, my choice on interest payment, my choice of transaction and, all the time, clear information on the Monzo app showing its current status. I was then offered an accompanying physical card for my Flex account - which ticked the final box. I use my Flex for unexpected payments - car repairs, domestic LPG purchases and the financial demands of Christmas. And always, I know Monzo customer service is there to help me out when I’m confused. Monzo is, by far, the best organisation I’ve banked with. Reviewed on: 20th January 2024

Monzo is the smoothest, most intuitive banking...

Monzo is still the smoothest, most intuitive banking experience I’ve ever had. Reviewed on: 20th January 2024

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