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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)

Refreshingly modern approach to credit

Really refreshing to have a modern credit card provider with sensible interest rate and interest free offerings. Monzo Flex really does give a flexible approach to credit, allowing me to choose the terms on which purchases go on credit and for how long. You don’t get drawn into repayments forever and forever. All purchases will be repaid after a fixed number of payments. Paired with Monzo’s current account this is an amazing offering. Reviewed on: 23rd January 2024

Excellent product which really enables me to stay in...

Excellent product which really enables me to stay in control of my borrowing. It’s so easy to use and flexible. I love it, it’s completely different to any other credit card I’ve ever had before. Reviewed on: 23rd January 2024

Credit Score Tracking

By using Flex and having activated Credit Score Checker, Monzo helped me understand the value of Flex Reviewed on: 23rd January 2024

I love how simple and easy it is to use, you can set...

I love how simple and easy it is to use, you can set your repayments depending on your current situation. It’s rewarding and simple, much better than the big credit card companies Reviewed on: 23rd January 2024

Monzo has the most user friendly app, it’s so easy t...

Monzo has the most user friendly app, it’s so easy to flex items and pay them off as and when you want to or stick to the schedule. I feel in total control. Reviewed on: 23rd January 2024

Common sensically good!

Common sensically good - just when I think “hey wouldn’t it be great if…” the good people at Monzo release a new feature that does just that. You can tell that they are using their own product and really care about making it the best! Reviewed on: 23rd January 2024

Monzo Flex your muscle

Modern and innovative app, which lets you understand you spending, savings and ways to channelise your money. Monzo Flex helps you flex your spending to match your comfort and tackle cost of living hassle. Moreover, you can use monzo around the globe at no additional and hidden charges. Reviewed on: 23rd January 2024

I have not had any bad experience with Monzo

I have not had any bad experience with Monzo Reviewed on: 23rd January 2024

Beautifully designed app which is simple and effective.

Beautifully designed app which is simple and effective. The bank is perfectly transparent and easy to understand. Communication is excellent and clear Reviewed on: 22nd January 2024

Good bank

Good bank, easy to save money and good rates for credit cards Reviewed on: 22nd January 2024

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