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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)

Really simple to use, you can either use your dedica...

Really simple to use, you can either use your dedicated card or select an item from your account and flex. Easy to select your payment period and if you choose longer than 3 months it details what interest you pay! Reviewed on: 21st January 2024

The experience is pretty smooth with transaction til...

The experience is pretty smooth with transaction till selection of monthly payment. No hidden charges at all. Reviewed on: 21st January 2024

Monzo is just so easy to use.

Monzo is just so easy to use. Its user interface is intuitive. I like their Monzo Flex that I like the most since it allows me to divide my payments without interest. Reviewed on: 20th January 2024

So easy to use Monzo & to save a little

So easy to use Monzo on the phone, and easy to secure as well using face ID. The ability to put money into a savings pot with good interest rate ant a single click, knowing I can get back the second I need the money, and how simple it is to round up my purchases together mean that I’m saving for the first time in my life - painlessly. The new cash back feature with some shops restaurants travel companies etc has also meant cash back on Xmas presents and essentials at times. Reviewed on: 20th January 2024

Amazing experience no issues with them handy credit...

Amazing experience no issues with them handy credit card to have flexible payments and flexible limits I would highly recommend anyone to use Monzo flex it’s by far the best credit card with many options to pay over certain times Reviewed on: 20th January 2024

Easy to use and understandable no jargon

Easy to use and understandable no jargon Reviewed on: 20th January 2024

Best bank easy to use app easy to flex payments and...

Best bank easy to use app easy to flex payments and great customer services Reviewed on: 20th January 2024

Friendly and easy to use

Friendly and easy to used the app Reviewed on: 20th January 2024

Flexible credit

Very fair interest rates, clear and visible re-payment plans, flexible usage and generous limit. Reviewed on: 20th January 2024

Smooth service, very helpful customer service, mobil...

Smooth service, very helpful customer service, mobile app UI is very intuitive and easy Reviewed on: 20th January 2024

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