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Monzo: Flex Purchase credit card reviews

4.95
Based on 2,511 reviews, last reviewed 24th Jul 2025
96% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
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Latest highest rating:

5

Monzo is great! Love the Monzo app, one of the best banking apps out there. So easy to use and manage your finances and super modern. Also love the flex credit card a... Read more Reviewed on: 12th July 2025
Lauren B's avatar
Lauren B

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 2025
Zack's avatar
Zack

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 (2511)

Great service available, especially with the ability...

5
Great service available, especially with the ability to auto select how the payment comes out. It’s great that you can get up to 3 months free credit and that you can also change your payment and it will work itself out rather than having to go into each individual payment and change them. Reviewed on: 12th June 2025

Monzo's Flex Card makes managing your credit respons...

5
Monzo's Flex Card makes managing your credit responsibly a breeze. Fully transparent app keeping you in the loop with many options if you want to pay earlier or slow things down a little Reviewed on: 8th June 2025

The most Useless CC

2
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 pointless credit card on the planet. Reviewed on: 4th June 2025

Monzo flex is very easy to use, I like the flexibili..

5
Monzo flex is very easy to use, I like the flexibility of the payment plan options whether you want to pay off earlier or extend the fees and interest are communicated in a clear, simple and informative manner. Reviewed on: 26th May 2025

Flex remains the most manageable credit card in the...

5
Flex remains the most manageable credit card in the market place providing clear oversight of purchases and repayments Reviewed on: 25th May 2025

There are a lot more people in there and they are go...

5
There are a lot more people in there and they are going on the same page as Reviewed on: 8th May 2025

Easy to use and manage finances.

5
Easy to use and manage finances. Best for budgeting if need flex credit card for big purchases or general day to day expenses. Reviewed on: 5th May 2025

The true meaning of Flex

5
Great transparency and very easy to manage and change agreements or pay off early with no guessing games Reviewed on: 2nd May 2025

The best experience for me .

5
The best experience for me . I really liked Reviewed on: 30th April 2025

I love Monzo Flex

5
I've enjoyed my experience with Monzo and love the recent updates they have done to be able to change the payment date and also pay off a little extra against each purchase, Reviewed on: 29th April 2025

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