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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)

Clever financing

Finally, clever and accessible interest free borrowing. I love being able to manage personal cash flow using an interest free option that is innovative, easy to understand and doesn't punish you for early payments! Love it Reviewed on: 6th April 2023

Great way of using credit

Flex is a great product that allows you to buy now and pay later. I like how it is integrated into the banking experience. Reviewed on: 6th April 2023

The future of online banking is here

Since the inception of Monzo flex, it provided me the very reliable flexibility in budgeting that it almost replaced the need for a credit card. Reviewed on: 6th April 2023

Smart flex account

Fantastic idea, an overdraft scheme with a low interest rate and an easily accessible contact team should you need to make changes due to circumstances. Highly recommend and promote. Cheers monzo! Reviewed on: 6th April 2023

Best banking services

I was introduced to flex by my friend. Total life changing. Its got all thr best offers not offered on the high street banks. Reviewed on: 6th April 2023

Ability to use my account easily and anywhere

I am so happy I have a Monzo account as I travel to Australia a lot to see my daughter and grandchildren. I don’t have to think about exchange rates, charges etc. I just use my Monzo Flex Card. Accepted everywhere it’s great… Reviewed on: 6th April 2023

Flex Review

Monzo Flex provides a really great service. Reviewed on: 6th April 2023

The trailblazer

It good to have the monzo flex , it gives the opportunity to identify your spending and how to manage it. It most interesting part is having to pay on time and in return getting a reduced interest rate for that month under consideration. Reviewed on: 6th April 2023

So easy to use

It’s so easy to use. The transparency around exact interest amounts is great as well. I also love that it’s linked to my bank account unlike similar products from Klarna etc. Reviewed on: 6th April 2023

Very best

I dont think feature like monzo flex is provided bt any other.... i been using this since starting and i love it. I have recommended monzo to many others hoping they would get this feature but looks like everybody doesn't get it.. i was using llyods for a long time but now all of my transactions are via monzo flex and its quite easy to pay back also so its nice Reviewed on: 6th April 2023

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