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Monzo: Flex Purchase credit card reviews

View other Monzo products
4.90
Based on 3,189 reviews, last reviewed 3rd Sep 2026
87% 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%
See only 3 star reviews
0%
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0%
See only 1 star reviews
0%

Latest highest rating:

5

Very flexible and zero interest and very easy to sho... Very flexible and zero interest and very easy to shopping online and store Reviewed on: 3rd September 2026
Sharif S's avatar
Sharif S

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 (3189)

Since 2022 my experience is very awesome

5
Since 2022 my experience is very awesome Reviewed on: 24th February 2026
Aladin P's avatar
Aladin P

I started with Monzo a year ago it’s a bank that tri...

5
I started with Monzo a year ago it’s a bank that trips over to help u I will b doing all my banking with them soon Reviewed on: 24th February 2026
Julian j's avatar
Julian j

I'm very happy with Monzo.

5
I'm very happy with Monzo. I'm using Monzo Perk and Flex credit card. Everything is clear and servis is perfect Reviewed on: 24th February 2026
Agnes Flower 's avatar
Agnes Flower

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

5
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
Kerry's avatar
Kerry

App is easy to use

5
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
Lewis H's avatar
Lewis H

Fantastic.

5
Fantastic. Monzo always comes through for me financially Reviewed on: 24th February 2026
seyi erhiahwe's avatar
seyi erhiahwe

Barclaycard vs monzo flex

5
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
James's avatar
James

Great Customer Support

5
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
Barbara 's avatar
Barbara

Excellent services.

5
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
Chris's avatar
Chris

User friendly and you can speak to a human!

5
User friendly and you can speak to a human! Reviewed on: 23rd February 2026
Neesa W's avatar
Neesa W

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