Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2510 reviews)

View other Monzo products

4.96

Based on 2,510 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I've been using Flex for years! I've been using Flex for years and it's an absolute lifesaver. The interface is so easy to use and straightforward and the service from the team is br... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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

Monzo Flex Purchase credit card reviews (2510)

Wonderful new way for a credit card to work.

Wonderful new way for a credit card to work. Bravo Reviewed on: 18th January 2024

Easy Handling, User Friendly Interface

Easy Handling, User Friendly Interface Reviewed on: 18th January 2024

It’s just such a really simple way to use credit!

It’s just such a really simple way to use credit! With the latest updates and using 0% over 3 months or “normal” credit over 12 months… and it defaults to using a normal credit rating and you cange change it later! it is by far the easiest credit to use right now! Reviewed on: 18th January 2024

An experience that can only be exeperienced!

The repaymemt felxibilty, security and convinience all combine to give that unique and wow customer expereince. No problems since I've een using the card, and if I have to choose all over again it's still going to be Monzo. It's customer centric...a life saver! Reviewed on: 18th January 2024

Excellent

The features offering different payment plans are brilliant never pay any interest if you choose not too Reviewed on: 18th January 2024

10/10, recommended to many friends

I’ve been using Monzo since 2016, before it was a properly registered bank. I’ve encouraged numerous friends and family to open accounts, even though I don’t think I’ve claimed a single referral bonus! Monzo Flex is just the cherry on top; the system is so easy to use, and it makes my life so much easier. The interest-free payments, including delaying a single payment to the start of the next month (after payday) is invaluable! Reviewed on: 18th January 2024

Monzo is the best Credit Card experience out there!

Monzo is the best Credit Card experience out there! Not only with their competitive APR but also it’s so simple that I don’t have to worry about anything. If I buy something now or in the last two weeks I can always Flex it. Paying in 3 instalments for free? Yes! I’m in control and can easily manage my plans! Reviewed on: 18th January 2024

I love the flexibility and simplicity.

I love the flexibility and simplicity. Flex is a great product Reviewed on: 18th January 2024

Really easy to use and great service

Really easy to use and great service Reviewed on: 18th January 2024

I love using my monzo flex, it’s easy quick and come...

I love using my monzo flex, it’s easy quick and comes in handy. Would recommend to everyone I know. Reviewed on: 18th 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

Credit card
from Zopa 4.93 from 40272 reviews
Fluid Credit Card
from NewDay 4.28 from 103 reviews
Credit card
from Zable 4.94 from 49742 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 2 reviews
Under 16s account
from Monzo 4.95 from 410 reviews
Savings
from Monzo 4.94 from 151 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