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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)

It’s not really a credit card.

It’s not really a credit card. It’s basically a buy now pay later option which is good for big purchases. Reviewed on: 20th January 2024

Great credit card / buy now pay later card .

Great credit card / buy now pay later card . Love it! Reviewed on: 20th January 2024

Best bank ever

I love my banking with Monzo Flex! I get notified when I use it, and also get notified how much I need to pay at the end of the month. This is a great way to manage your spending. Reviewed on: 20th January 2024

Its one of the best credit cards in the world.

Its one of the best credit cards in the world. Very user-friendly. Highly recommended Reviewed on: 20th January 2024

Monzo a one in a million bank

Never had a positive experience with banks until I had a Monzo. I have more control, a smarter way to save ( and actually do ) and the flex credit card is fantastic. Reviewed on: 20th January 2024

Monzo flex is simple and safe to use.

Monzo flex is simple and feels safe to use compared to a normal credit card. I like that there is no hidden fees, you know what you’re getting yourself into when you click that flex button on purchases. I have already got three members of my family using flex. Reviewed on: 20th January 2024

I have a personal and business Monzo account and bot...

I have a personal and business Monzo account and both are flawless. Extra functions compared to my other high street account and their customer service is far superior Reviewed on: 20th January 2024

Great alternative to a credit card and for easier bu...

Great alternative to a credit card and for easier budgeting Reviewed on: 20th January 2024

Flexi credit card for new comers to UK

I was new to UK with less than a year of residency which resulted in no credit history but using a Monzo account continuously for around 6 months gave Monzo enough credibility to get get me a Monzo flex which is my go to credit card. This is flexible card for anyone to get with less credit history. Reviewed on: 20th January 2024

Pay over 3 months - interest free

I'm able to manage my money and am finally out of debt thanks to Monzo! Splitting payments over three months interest free is a game changer. If I want to pay it off over a longer period that is also possible and it can all be changed from within the app. Reviewed on: 20th January 2024

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