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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)

Amazing service.

Monzo’s service is incredible like any other bank. Reviewed on: 6th April 2023

Something to always fall back on

The Monzo flex always comes in handy when I need to split payments. It’s a huge financial relief for me. Definitely one of the best features on Monzo Reviewed on: 6th April 2023

Amazing

Best service I’ve ever had! I know it is a organization tgats listen to me and provide me with the best service Reviewed on: 6th April 2023

BEST BANK

Very considerate of IMMIGRANTS and app is easy to use!!! Quick and easy to help through their help line on the app. Reviewed on: 6th April 2023

Good bank

Nice bank which I ever had compared to all banks Reviewed on: 6th April 2023

Best bank

Best bank ever the easiet to use get paid early I mean what more can I say it’s the best bank in the world the support the help I love it!!!! Reviewed on: 6th April 2023

Really easy way to spread payments on purchases

As a Monzo customer, I have been using their Monzo Flex product to spread the cost of some of my larger purchases made via my bank card, and I have to say, it's been a game-changer. Monzo Flex is not a traditional loan product, but rather a way to spread out the cost of purchases made on my Monzo bank card over several months. The application process for Monzo Flex was incredibly simple and done entirely through the Monzo app. I was able to choose which purchases I wanted to spread out, the repayment term that worked for me, and received an instant decision. The funds are added to my Monzo account every time I flex a purchase, and I can see my repayment schedule right in the app. What I appreciate most about Monzo Flex is the flexibility it offers. I'm able to pay off my balance early with no penalty, and there are no hidden fees or charges. Plus, the ability to see my repayment schedule and how much I'll owe each month has been incredibly helpful in managing my finances. Reviewed on: 6th April 2023

Best flexible credit card, aptly called Flex!

Monzo Flex is a virtual credit card offered to Monzo customers. It can be used as a regular credit card but the main feature of this card is one can spread the cost of each transaction to 3 (interest-free) to 12 months. You can change the installment plan any number of times you want, which is my favourite. They have recently started rolling out physical flex cards, so that would make this my go-to payment card in shops outside whenever I would be making an expensive purchase which I plan to spread out into installments. Reviewed on: 6th April 2023

Best Bank!

Honest and exciting bank. So many great features and great interest rates on the savings account. Love flex as it allows you to pay later without any interest. No problems when using it to pay outside the UK. Overall, a great mobile banking experience!! Reviewed on: 5th April 2023

Structured Lending, Done Right

Monzo has found a unique way of structuring credit card facilities, giving you a level of control (and delay) in paying for items, whilst forcing you to make a commitment for when that item is being paid off (rather than just an ever-growing pit of money that may or may not get paid off at some point). Reviewed on: 5th April 2023

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