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Monzo: Flex Purchase credit card reviews

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

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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

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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 (2510)

Excellent

Excellent service and extremely flexible Reviewed on: 18th January 2024

Flex has been a really good alternative to credit ca...

Flex has been a really good alternative to credit card use for me and helps me to keep a better track of my spending. Splitting over 3 months makes me think more about affordability of my purchases, and payments themselves are clear and easy to manage. Reviewed on: 18th January 2024

Has given me the opportunity to make my money go fur...

Has given me the opportunity to make my money go further and last minute issues. Reviewed on: 18th January 2024

Hugely helpful service with very easy to use app!

Hugely helpful service with very easy to use app! I love the freedom it gives me to manage my money better & have an emergency back up that is affordable & easy to manage! It’s super similar to break payments down more or pay off extra to reduce interest (plenty of interest free options too!) Reviewed on: 18th January 2024

A fantastic forward thinking bank.

A fantastic forward thinking bank. Can't fault them. Absolutely love everything about Monzo's offering. Reviewed on: 18th January 2024

Everything in one place.

Amazing range of products and a super user friendly app. Loads of tips and help for managing money, saving and even investing now. Always asking for feedback and I genuinely feel that they take this on board when developing new products and services. Would love to see them enter the mortgage market next. Reviewed on: 18th January 2024

Best credit out there love the flex payment with 0%...

Best credit out there love the flex payment with 0% interest. Amazing customer service super easy to use!!! Reviewed on: 18th January 2024

Love Monzo.

Love Monzo. Got lots of things I like. Reviewed on: 18th January 2024

The best way to buy things

Monzo flex let me do my purchases in a very easy way, and the opportunity to control how do you want to pay your plan is amazing Reviewed on: 18th January 2024

Monzo FTW

I’ve used Monzo for the last 3 years and it’s completely changed my relationship with money. Now debt free and organised with some cool new features, Flex being one of them. Really allowing me to take control back of my spending Reviewed on: 18th January 2024

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