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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)

Very easy to setup and use.

Very easy to setup and use. Credit limits can also be changed quite easily once you become eligible. Repayments are free for 3 installments after which you can choose installments until 24 months for a fee. Reviewed on: 19th January 2024

Overall my experience is satisfactory but customer s...

Overall my experience is satisfactory but customer service should be more accessible Reviewed on: 19th January 2024

Excellent

I do love it many years already and I will stay Reviewed on: 19th January 2024

Simply best

Simply best among all the other banks,got everything covered. Very Simple and easy.UI is user friendly. Can't expect any better then this. Reviewed on: 19th January 2024

Great experience with Monzo flex.

Great experience with Monzo flex. Love it Reviewed on: 19th January 2024

Hi am using Monzo account more than a year am fully...

Hi am using Monzo account more than a year am fully satisfied with that every single time i certainly refer this to many people and they respond me with sound good Reviewed on: 19th January 2024

It is very good compared to other banks

It is very good compared to other banks Reviewed on: 19th January 2024

I love the ability to categorise spending, and to bu...

I love the ability to categorise spending, and to budget effectively. I did have disability with my previous bank, but not to this standard Monzo is more intuitive and user-friendly. Reviewed on: 19th January 2024

The app is so clever, you can programme it so that i...

The app is so clever, you can programme it so that it bascially looks after all your money and you dont have to do anything. It thinks ahead for you and knows exactly how much money you need to put aside for bills. The saving pots and interests rates are great too. The only negative is that it can be quite difficult to speak to customer service or report a problem with your account Reviewed on: 19th January 2024

Best Banking App ever

The whole process from applying to a current account to credit card was very easy. App is the best ever I have used. I really liked the feture where I could transfer any transaction to flex and change the repayment process. Very smooth Reviewed on: 19th January 2024

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