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Monzo: Flex Purchase credit card reviews

View other Monzo products
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
See only 5 star reviews
98%
See only 4 star reviews
2%
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0%
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Latest highest rating:

5

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 2026
Hayley f's avatar
Hayley f

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
JN's avatar
JN
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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 (3188)

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

5
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
paul Lamberton's avatar
paul Lamberton

Monzo is incredible!

5
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
Sarah B's avatar
Sarah B

Fab help for bills, particularly longer months.

5
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
Katy Noakes's avatar
Katy Noakes

Monzo Plus & Flex helped during inflation times.

5
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
Giovanni L's avatar
Giovanni L

Very Happy with Monzo and it's flex service making m...

5
Very Happy with Monzo and it's flex service making my life too easy and hassle free, Now won't wait for payment to get in. Reviewed on: 24th January 2024
dilip shirke's avatar
dilip shirke

Convenient

5
Easy to use and convenient, you can choose the plans and can calculate the interest immediately, no hidden cost Reviewed on: 24th January 2024
Tsz K's avatar
Tsz K

Honestly, service and app is perfect.

5
Honestly, service and app is perfect. Spot on.Compare too other apps. I will recommend Monzo to everyone and absolutely no intentions to leave. Reviewed on: 24th January 2024
Ali S's avatar
Ali S

Uncomplicated form of credit

5
Very straightforward form of credit, much less complicated than a “standard” credit card. Easy to see my transactions, know exactly what I owe and, payment I’m due to make each month. Reviewed on: 24th January 2024
EJB's avatar
EJB

Monzo Flex is great

5
Monzo Flex is great, flexible three payments at 0% interest Reviewed on: 24th January 2024
Haider AlDelfi's avatar
Haider AlDelfi

Easily the best

5
Comfortably the best bank with the best app. Moved everything over to them and I can’t see myself using anyone else Reviewed on: 24th January 2024
Jordan S's avatar
Jordan S

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