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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

56% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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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Monzo Flex Purchase credit card reviews (3174)

I started Monzo flex last year and it’s been great I...

I started Monzo flex last year and it’s been great I’ve been able to purchase things that I wouldn’t of been able to otherwise I have a £3000 limit and the payment options are very good and now we have the 2 year option it’s made things even easier Reviewed on: 19th January 2024

So easy to flex those larger payments over 3 months,...

So easy to flex those larger payments over 3 months, dentist bills or unexpected home emergencies are now less stressful and easier to manage. Monzo make it seamless. Reviewed on: 19th January 2024

With all the features monzo provides I am always ver...

With all the features monzo provides I am always very aware of my financial situation and confident that everything is organised correctly. Reviewed on: 19th January 2024

Credit without the rates

Monzo Flex allows me to use credit without the danger of interest rates. Reviewed on: 19th January 2024

Great Credit

It has helped me a lot when I have had to pay for big amount of sums. I particularly love the interest free period to clear the sum. Reviewed on: 19th January 2024

The switch from a traditional bank was easy!!

The switch from a “traditional” bank was easy and the level of service and products they offer is really great. They have also been really proactive in offering higher interest rates compared to others and with easier access. Reviewed on: 19th January 2024

Really really good

I’ve used it since the start and it has allowed me amazing things, giving me way more freedom and making me feel better about money. The updates since have been really good. Reviewed on: 19th January 2024

Monzo flex is simple and efficient.

Monzo flex is simple and efficient. The only way I pay for big purchases! Reviewed on: 19th January 2024

I honestly use flex every day...

I honestly use flex every day and it has made purchases both big and small extremely simple and stress free and the 3 month no interest pay option is an absolute life saver for things like birthdays and emergencies Reviewed on: 19th January 2024

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