Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

View other Monzo products

4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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

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 (3086)

I find Monzo flex so easy to use, It has helped me i...

I find Monzo flex so easy to use, It has helped me in so many situations and is also so easy and clear what you need to pay off Reviewed on: 19th January 2024

Great service

Great products and modern solutions Reviewed on: 19th January 2024

Monzo is so easy to use!

I’ve been using Monzo for around 6 months now and love the flexibility it gives me opening up different saving pots to ease budgeting. I then started using flex recently and it has been the first credit card I’ve been accepted for and love how easy it is to not only use but pay off early and allow me to build my credit score. I have recommended both Monzo and Monzo flex to friends and family, there is nothing I don’t love about it. Reviewed on: 19th January 2024

Monzo flex best credit card out there.

Monzo flex best credit card out there. Fantastic customer service and excellent payment terms and tools. Reviewed on: 19th January 2024

The best!

I’ve been with Monzo since they opened, when they where Mondo, and they have been the best bank ever, and since bringing out flex that’s helped me a lot! 3 months no interest! Reviewed on: 19th January 2024

Monzo make managing credit easy and flexible

Monzo make managing credit easy and flexible, fantastic service for when you need credit in difficult times Reviewed on: 19th January 2024

So intuitive and easy to use.

So intuitive and easy to use. Does what it says on the tin, it’s a flexible way to manage your short term borrowing needs Reviewed on: 19th January 2024

Monzo app is very interactive, easy to use and allow...

Monzo app is very interactive, easy to use and allows for responsible lending. Reviewed on: 19th January 2024

Monzo flex has changed the way I use a credit card

Monzo flex has changed the way I view using a “credit card”. It has allowed me better control of my finances as well as repayments and gives me better accountability as to whether I need to use the card as I can instantly work out how much it will cost me to repay the transaction where as with traditional credit cards, the transaction gets added to my balance and there is no definitive time that I need to repay that transaction by which can lead to spiralling balances based on just paying minimum payment each month. It has completely changed the way I utilise credit. Reviewed on: 19th January 2024

Easy to use, safe to manage!

So easy to use flex, multiple payment options and makes it easier to manage than a credit card! Reviewed on: 19th 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 118 118 Money 4.86 from 2491 reviews
Credit Card
from Ocean Finance 4.76 from 19 reviews
Platinum credit cards
from Barclaycard 3.86 from 318 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Under 16s account
from Monzo 4.98 from 923 reviews
Investments
from Monzo 4.94 from 1110 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