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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

56% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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 (3174)

I never had a problem with monzo for me it’s a very...

I never had a problem with monzo for me it’s a very good bank. Reviewed on: 29th January 2024

Great beginner credit card!

Flex has been great for improving my credit score and being able to pay over a longer period of time (the 3 month option) without being charged interest. Reviewed on: 28th January 2024

Great day to day banking!

I’ve used Monzo for years, as it’s easier to navigate than my other “high street” banks. For day to day it is a great way to manage my money as it updates immediately. It’s great for setting up different pots for different saving goals and I’ve recently been utilising the benefits of Flex for spreading the cost of my big purchases. Flex is really straightforward to use, and having the opportunity to pay bits towards the purchases before the payment date is great when I have money to spare during the month. Reviewed on: 28th January 2024

Excellent bank, with provides everything you need fo...

Excellent bank, with provides everything you need for efficient banking. It basically does what it promises a first class service. I can organise my money better than any other app and also helps me budget and save. Also the app keeps me up to date instantly. Reviewed on: 26th January 2024

Best bank by a Monzo mile!

Monzo is the best! I have had overdrafts with them, loans and my personal account. I cannot fault their service both app and communication. Best bank by a Monzo mile! Reviewed on: 25th January 2024

Easy to use, app is user friendly.

Easy to use, app is user friendly. Monzo Flex is very useful for purchases up to 3 months with no interest. Reviewed on: 25th January 2024

I find Flex very easy to use, easy to understand, ea...

I find Flex very easy to use, easy to understand, easy to pay back and easy to change scheduled payments. Far better than a credit card I find. Reviewed on: 25th January 2024

Monzo is incredible!

Monzo is incredible! Never had an issue and its beyond my expectations. After having issues with HSBC in the past, Monzo is always a breath of fresh air with how easy and efficient it is. Reviewed on: 24th January 2024

Fab help for bills, particularly longer months.

Fab help for bills, particularly longer months. Also love that you can pay more into it and the Flex tells you how much interest you have saved - helps motivate you to get out of debt. Very easy to adjust regular payments too, and no penalty for early payment. Reviewed on: 24th January 2024

Monzo Plus & Flex helped during inflation times.

Monzo flex saved my year, great option on the market. On top of that, Monzo Plus is a valid way to keep tracks of my spending including virtual cards and pots. Helping during these uncertain times by budgeting day by day expenses! Reviewed on: 24th January 2024

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