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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)

Easy to use, great features and products, safe spend...

Easy to use, great features and products, safe spending (online purchases). Experienced a lack of Fraud issues with Monzo over the 7 years I've been banking with them. The Flex CC is a fantastic addition to the available credit available to you at Monzo, and it for me has been incredibly sensible lending (seems to evaluate your spending and repaying probability to set you out an affordable limit). Reviewed on: 24th February 2026

App is easy to use

App is easy to use and explains how much interest will be charged if over 3 payments. Interest rate is reasonable and asking for increases is quick and have a very quick reply if your accepted Reviewed on: 24th February 2026

Fantastic.

Fantastic. Monzo always comes through for me financially Reviewed on: 24th February 2026

Barclaycard vs monzo flex

Having both a Barclays credit card and a monzo flex card I can say monzo are by far the best by a country mile. Easy to use good deals and helpful service Reviewed on: 24th February 2026

Great Customer Support

Very communicative. Great at keeping me informed about possible fraud or suspicious transactions. My card was blocked immediately on suspicion Reviewed on: 23rd February 2026

Excellent services.

Excellent services. Also the app is brilliant! Easy to use and a lot of interesting features, even from the basic level. Reviewed on: 23rd February 2026

User friendly and you can speak to a human!

User friendly and you can speak to a human! Reviewed on: 23rd February 2026

It’s a great credit card simple and easy to use

It’s a great credit card simple and easy to use Reviewed on: 23rd February 2026

King of the Online banking

Last 2 years I am using the Monzo never have been any issues best bank ever Reviewed on: 23rd February 2026

Manage with flex

Been song my flex for a while. Great product and allows me to manage, control and adapt my finances and payment to suit my needs Reviewed on: 23rd February 2026

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