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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)

There’s simply nothing negative to say!

Having opened my Monzo account as a secondary account when travelling, it quickly became my primary bank account. It has a highly functional, fun to use and easy to navigate app which works every day - even weekends and bank holidays. Having been offered a Flex element to my account, I tried it and loved it. Like a credit card but much, much more. My choice of payment schedule, my choice on interest payment, my choice of transaction and, all the time, clear information on the Monzo app showing its current status. I was then offered an accompanying physical card for my Flex account - which ticked the final box. I use my Flex for unexpected payments - car repairs, domestic LPG purchases and the financial demands of Christmas. And always, I know Monzo customer service is there to help me out when I’m confused. Monzo is, by far, the best organisation I’ve banked with. Reviewed on: 20th January 2024

Monzo is the smoothest, most intuitive banking...

Monzo is still the smoothest, most intuitive banking experience I’ve ever had. Reviewed on: 20th January 2024

It’s not really a credit card.

It’s not really a credit card. It’s basically a buy now pay later option which is good for big purchases. Reviewed on: 20th January 2024

Great credit card / buy now pay later card .

Great credit card / buy now pay later card . Love it! Reviewed on: 20th January 2024

Best bank ever

I love my banking with Monzo Flex! I get notified when I use it, and also get notified how much I need to pay at the end of the month. This is a great way to manage your spending. Reviewed on: 20th January 2024

Its one of the best credit cards in the world.

Its one of the best credit cards in the world. Very user-friendly. Highly recommended Reviewed on: 20th January 2024

Monzo a one in a million bank

Never had a positive experience with banks until I had a Monzo. I have more control, a smarter way to save ( and actually do ) and the flex credit card is fantastic. Reviewed on: 20th January 2024

Monzo flex is simple and safe to use.

Monzo flex is simple and feels safe to use compared to a normal credit card. I like that there is no hidden fees, you know what you’re getting yourself into when you click that flex button on purchases. I have already got three members of my family using flex. Reviewed on: 20th January 2024

I have a personal and business Monzo account and bot...

I have a personal and business Monzo account and both are flawless. Extra functions compared to my other high street account and their customer service is far superior Reviewed on: 20th January 2024

Great alternative to a credit card and for easier bu...

Great alternative to a credit card and for easier budgeting Reviewed on: 20th January 2024

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