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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)

Monzo flex has changed the way I use a credit card

Monzo flex has changed the way I view using a “credit card”. It has allowed me better control of my finances as well as repayments and gives me better accountability as to whether I need to use the card as I can instantly work out how much it will cost me to repay the transaction where as with traditional credit cards, the transaction gets added to my balance and there is no definitive time that I need to repay that transaction by which can lead to spiralling balances based on just paying minimum payment each month. It has completely changed the way I utilise credit. Reviewed on: 19th January 2024

Easy to use, safe to manage!

So easy to use flex, multiple payment options and makes it easier to manage than a credit card! Reviewed on: 19th January 2024

Great banking app

Easy to use. Great money management tools. Loans are easy to manage. Reviewed on: 19th January 2024

Flexibility at your fingertips

Flex is a great option to defer payment without paying any interest. The app makes it very easy to change dates, amend amounts or pay off entirely. Great product! Reviewed on: 19th January 2024

Flex is the most vanguardist way of managing my mone...

Flex is the most vanguardist way of managing my money easy, fast and valuable Reviewed on: 19th January 2024

Best Cuirent Account and MONZO Flex is unique!

Best account for current account holders and MONZO flex is unique for credit card! Reviewed on: 19th January 2024

Fleeeeexible

I really love Flex. I was able to purchase high value items and pay for it later. Reviewed on: 19th January 2024

Monzo has transformed the way I manage by finances

Monzo has transformed the way I manage by finances. Flex is an excellent product - the interface is very easy to use and the repayment options are very flexible. Reviewed on: 19th January 2024

It’s a good bank and app too - I’ve never had any is...

It’s a good bank and app too - I’ve never had any issues with the app and they’re very flexible Reviewed on: 19th January 2024

Monox plus and Monzo Flex have really helped me orga...

Monox plus and Monzo Flex have really helped me organize my financial life and keep track of spending across banks. Reviewed on: 19th January 2024

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