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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)

A true example of disruptive banking

Have been a Monzo customer since the beginning. Love the fact you’ve built an entire bank on Kubernetes that challenges and disrupts the archaic mainframe based infrastructures used by the traditional banks. Reviewed on: 18th January 2024

Good customer service and excellent service

Good customer service and excellent service Reviewed on: 18th January 2024

I really like the app, to have physical card is supe...

I really like the app, to have physical card is super useful, evening work clear and smooth. The best part is to have interest free 3 instalments. Reviewed on: 18th January 2024

Flex gives flexibility of payment with easy and it h...

Flex gives flexibility of payment with easy and it helps in planning finances well. Reviewed on: 18th January 2024

Been banking for a while now never had an issue, goo...

Been banking for a while now never had an issue, good incentives Reviewed on: 18th January 2024

It was great, l can be flexible with my payments

It was great, l can be flexible with my payments Reviewed on: 18th January 2024

Simply better than the rest

Simply better than the rest - Monzo Flex is what I always wanted PayPal Credit to feel like. It allows me to not only split up big online purchases, but also any in-store shopping and restaurant dining that can be more on the pricy side. The user interface is very intuitive and also helps to motivate you to pay your purchases off early. I've had a few 0% APR cards before, but this simply takes the cake with the option to defer later payments and incur some interest as opposed to none. Reviewed on: 18th January 2024

I love Monzo Flex.

I love Monzo Flex. Best credit service I've ever used. The product is designed in a way that gives me full control and full transperency over my payments, my credit limit, and my total transactions. And the UI is beautifully made, and makes a ton of practical sense. Reviewed on: 18th January 2024

Monzo has changed my financial life for the better.

Monzo has changed my financial life for the better. It’s given me the tools I need to manage my finances more effectively and save easier. Reviewed on: 18th January 2024

Using Monzo for couple of months with no Issues

Using Monzo for couple of months and not a single issue I have observed. Reviewed on: 18th January 2024

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