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Monzo: Flex Purchase credit card reviews

View other Monzo products
4.90
Based on 3,189 reviews, last reviewed 3rd Sep 2026
87% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
98%
See only 4 star reviews
2%
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0%
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0%
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Latest highest rating:

5

Very flexible and zero interest and very easy to sho... Very flexible and zero interest and very easy to shopping online and store Reviewed on: 3rd September 2026
Sharif S's avatar
Sharif S

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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JN
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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 (3189)

The app to manage it is very user friendly.

5
The app to manage it is very user friendly. Reviewed on: 19th January 2024
Alan W's avatar
Alan W

Best Banking Experience

5
For someone who develops technology products, the ease of use and efficiency within the entire Monzo platform is one of the best I have seen. The user experience is brilliant and complemented by banking services that just works. Reviewed on: 19th January 2024
Mr Mayor's avatar
Mr Mayor

Monzo is soo good with dealing with disputes and als...

5
Monzo is soo good with dealing with disputes and also the get paid early is a life saver Reviewed on: 19th January 2024
Judah A's avatar
Judah A

Amazing Monzo

5
Clean UI. Monzo flex is amazing and easy to use. Good features like savings accounts. Brilliant for oversea use. Reviewed on: 19th January 2024
Tom P's avatar
Tom P

Easy, accessable and cheap

5
It's really easy to use and works natively in the app. If I pay it off soon I don't even get charged for the service so I can build a credit record. Another great feature is that it works in the same way that a normal card does. Reviewed on: 19th January 2024
DrSirKyle's avatar
DrSirKyle

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

5
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
Jason's avatar
Jason

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

5
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
Colin M's avatar
Colin M

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

5
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
Jc's avatar
Jc

Credit without the rates

5
Monzo Flex allows me to use credit without the danger of interest rates. Reviewed on: 19th January 2024
Deanways's avatar
Deanways

Great Credit

5
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
Krish's avatar
Krish

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