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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)

Best Banking Experience

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

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

Monzo is soo good with dealing with disputes and also the get paid early is a life saver Reviewed on: 19th January 2024

Amazing Monzo

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

Easy, accessable and cheap

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

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

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