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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)

Simple to use

When we could get a joint account with Main Street banks Monzo helped. It was easy to sign up and easy to get started. The savings pots are excellent! Reviewed on: 19th January 2024

Easy to use app, very well presented and simple to u...

Easy to use app, very well presented and simple to understand the credit agreement. Reviewed on: 19th January 2024

Using Monzo abroad

Using Monzo abroad Monzo is the best converts currency straight away Reviewed on: 19th January 2024

Monzo are extremely flexible.

Monzo are extremely flexible. Helps when you have to make a large purchase you can budget for it better. Great interest rates and it’s great that you can pay off more against and individual item! Reviewed on: 19th January 2024

Used in Thailand .

Used in Thailand . Very good. Fast and also no apparent charges. Reviewed on: 19th January 2024

Monzo Flex have a really unique approach to credit c...

Monzo Flex have a really unique approach to credit card. There very clearly let you know how much you gonna pay upfront for every transaction and theirs repayment plans are really helping people like to to get a grasp on their finances. Reviewed on: 19th January 2024

Im really pleased with the Flex card it’s brilliant.

Im really pleased with the Flex card it’s brilliant. I’ve just been on holiday and I’m now moving house (furniture) and the car really has provided the flexibility needed to make purchases and pay later, during these really busy months. Reviewed on: 19th January 2024

I’ve had Monzo for years and absolutely love it.

I’ve had Monzo for years and absolutely love it. So easy to do everything I know where all my money is, Monzo makes me it a bit fun too where you can create different pots for your money and also use Monzo flex! Reviewed on: 19th January 2024

Flex is ideal when there's too much month left after...

Flex is ideal when there's too much month left after your pay day Reviewed on: 19th January 2024

No issues at all, loads of helpful features I didn’t...

No issues at all, loads of helpful features I didn’t even know I needed. Reviewed on: 19th January 2024

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