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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)

The app is reliable, easy to use and always up...

The app is reliable, easy to use and always up to date Reviewed on: 1st February 2024

Love the flexibility in how much and when you can ch...

Love the flexibility in how much and when you can choose to pay. Allows you to keep full control on what you are spending and very clear on what it costs Reviewed on: 1st February 2024

Excellent credit card

The easiest credit card I've ever had. Very flexible and clear on payments. Reviewed on: 1st February 2024

Amazing idea, well thought out and a game changer.

Amazing idea, well thought out and a game changer. Reviewed on: 30th January 2024

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

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