Write a review

Newsletter

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 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

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

Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

Incredibly easy to use

Just as easy to use as the current account. Everything is clearly explained and Monzo’s customer service cannot be beaten. I like the ease of having Flex and my current account visible in one place especially now I can use Flex whilst abroad. Reviewed on: 23rd January 2024

Simply the best

Excellent in all aspects - interface, pricing, availability! Reviewed on: 23rd January 2024

Great for using pay in three months

Ever since I joined monzo flex it’s just been a pleasure very easy to control and use! great options for when using the card l. aswell as being able to split over three months which is very handy. I recommend it to all my family and friend I think it’s just great Reviewed on: 23rd January 2024

Other providers offer 6 months at 0% interest.

Other providers offer 6 months at 0% interest. Reviewed on: 23rd January 2024

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

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Clarity credit card
from Halifax 3.58 from 271 reviews
Bip Credit Card
from NewDay 4.79 from 2286 reviews
Overpay
from Incredible 4.19 from 5 reviews

Want to see more from Monzo?

Under 16s account
from Monzo 4.89 from 945 reviews
Investments
from Monzo 4.86 from 1147 reviews
Current account
from Monzo 4.85 from 19429 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub