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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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 (3086)

Credit Card but better!

Love how easy it is to manage in the app & a much better for short term borrowing compared to using a traditional credit card, but with all the same benefits Reviewed on: 18th January 2024

Why flex with monzo flex :)

I love monzo flex. It has become a staple in my life. The instalment payments are so handy and it does a big favour for me. It exceeded my expectations when I got it and I find myself reaching for it when I purchase anything. Reviewed on: 18th January 2024

Best bank ever!

Monzo is a life saving bank! Best decision I made was to make this my current bank and transfer all my bills and Direct debits. You’ve made banking modern and fun . Well done Monzo Reviewed on: 18th January 2024

Really good and it’s a great idea

Really good and it’s a great idea Reviewed on: 18th January 2024

Flex has been a great addition to Monzo!

Flex has been a great addition to Monzo! It’s really helped in months where things have been a bit more expensive - it’s helped me take control on my finances! Reviewed on: 18th January 2024

Easy to request a higher limit!

Easy to request a higher limit! If I wanted to buy something of higher price and wanted to flex. It is very easy to see and submit an application for it. Also flex is easy for day to day use and quick transactions! Reviewed on: 18th January 2024

Hands down the best bank out there

Monzo is hands down the best bank provider I've ever dealt with. Not just because of the super convenient personal accounts, but also Flex, loans and generally the ease of use of having everything at your fingertips. Reviewed on: 18th January 2024

Monzo Bank is absolutely brilliant.

Monzo Bank is absolutely brilliant. I've not had any trouble whatsoever with this Bank. I'm glad I moved over from my old Bank. Monzo Flex is great and you can pay back the credit in full by your chosen date or you can pay back a little bit at a time and still have it paid back in time. I'm absolutely over the moon Reviewed on: 18th January 2024

It is amazing , data driven and easy to use

It is amazing , data driven and easy to use Reviewed on: 18th January 2024

Great credit facility

Great facility. Love that you can spread purchases across 3 payments without interest which eases the burden of larger or unplanned expenses during a cost of living crisis. Also great that you can retrospectively flex transactions and credit money back into your account if needed. I now use this more than my regular credit cards. Reviewed on: 18th January 2024

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