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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 product

A thoroughly well thought through product that puts the customer’s needs first Reviewed on: 4th April 2023

Monzo, just in time!

Monzo helps me manage my finances and lets me take full control of my spending. I’d highly recommend Monzo to anyway, Monzo flex has given me a new view on how I spend my money. I treat making payments now as, can I afford it? Yes? Then I’ll flex it and pay it off overtime, letting me have more freedom in the flex periods. Reviewed on: 4th April 2023

Make big purchases and spread the coat

Make big purchases and spread the cost. Monzo flex has allowed me to treat myself to things when the paycheck just didn’t quite allow for it. Reviewed on: 2nd April 2023

Amazing flexible payments

Interest free repayments for three months is fantastic, directly with my bank and within the app. Much prefer this to using other buy now pay later methods. Reviewed on: 30th March 2023

A credit card but better!

Flex is essentially all of the great stuff about a credit card, but with so much more visibility and flexibility, I love it! Reviewed on: 30th March 2023

Love Monzo flex

We used Monzo flex to furnish our apartment! Loved the experience, and the value proposition of spreading a big ticket cost over 3 months! Reviewed on: 30th March 2023

Responsible credit card with transparent information

Being able to split up large purchases helps spread the load across multiple months, especially as I tend to live frugally for a few months and then have a holiday break where I spend more. The transparent information is great and makes me feel like I am being treated fairly and not being taken advantage of. Reviewed on: 30th March 2023

Flex is great

I have loved using flex to spread costs Reviewed on: 25th March 2023

Amazing Company

Ever since I've switched to Monzo I've absolutely loved it! Reviewed on: 24th March 2023

Gret first credit product

Flex was my first credit product. I've found it easy to use and very clear how much I owe and when; recent features, like the ability to pay my next installment early, are very useful. I also find the ability to choose to flex transactions made initially using my debit card or to use the flex virtual card directly (and thereby get section 75 protection) very handy. Reviewed on: 24th March 2023

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