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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2511 reviews)

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4.95

Based on 2,511 reviews, last reviewed 5th Sep 2025

98% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I've been using Flex for years! I've been using Flex for years and it's an absolute lifesaver. The interface is so easy to use and straightforward and the service from the team is br... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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 (2511)

Flextastic

Flex is amazing and has revolutionised BNPL, there is simply more flexibility than any other credit provider, with the ability to choose different repayment plans to suit your needs. With everything neatly packaged up in one convenient location it just deals the deal Reviewed on: 6th April 2023

Keep up the good work!

As always: you ROCK! Its a pain "Your review should be between 32 and 4096 characters."... Reviewed on: 6th April 2023

Comes in clutch every time!

Amazing product and easy to use. Repaying is simple. Reviewed on: 6th April 2023

Great bank and great service

I love the flex option on my account. An easy way to manage payments amd avoid using Klarna. Reviewed on: 6th April 2023

Flex is the best credit card I've had in years

Monzo Flex is one of the most useful and fair credit cards out there. Honestly. 3 months interest-free, great to help the credit score as long as it's used responsibly. After 3 months you pay interest which is really good given most credit cards charge interest instantly. I highly recommend Monzo Flex to financially responsible people and they always love it and share it with their friends. Reviewed on: 6th April 2023

Easy to use and be in control

Use of the Monzo flex option is simple and straight forward. Linked to the main app, all information shown in a clear style. Like the ability to flex in advance or even use for a payment already made. Love Monzo!! Reviewed on: 6th April 2023

Great use

Love the flex option Really is helpful when you need it Reviewed on: 6th April 2023

EMI

Easy to convert emi Monzo bank is good to use Reviewed on: 6th April 2023

Amazing

Love it so much monzo is the best banking app Reviewed on: 6th April 2023

Dreams into possibilities

I use my flex account like it's a safe space, when I had to replace my e-bike that was stolen I didn't have the money at the time to purchase a new one right away and without it it would have been a nightmare to continue working as a delivery driver and thanks to flex I could buy a new one to keep working and providing for my family. Reviewed on: 6th April 2023

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