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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

97% 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)

Faultless

Great way to pay later great Addition to monzo Reviewed on: 14th March 2023

A solid and it is a vanilla cake to use it

It helped me to manage my tech expense that needs on the right time. The application is really cool and really easy to use like an ice cream. The automated process of verification and opening accounts with Monzo is really streamlined. Reviewed on: 14th March 2023

Super product with simple terms

Clarity and transparency are what set Monzo apart from other banks. Flex is the best example of this - giving all the decision making power to the customer! Reviewed on: 12th March 2023

Overall it's unbelievably amazing.

Monzo offer flex card for customer. I have been using for 2 months. It is pretty good. I can use £2,000 credit interest free as long as paying all of them in 3 installments in each following months. Hope installment plan will be extended to 6 or 12 months. Reviewed on: 12th March 2023

The best credit experience so far!

Provision of easy credit to be paid off without stress. Easy adjustable plans. They are always trying to improve your experience with them! Best banking experience. Reviewed on: 11th March 2023

Banking transformed

So glad I found Monzo- my banking is so easy to manage! Best banking app ever! Reviewed on: 10th March 2023

Good product but quite pushy in the app

I got monzo flex to try it out, and typically just forget it's there and only use my monzo debit card which I really like. They push the flex product a lot, and keep asking me to order a physical card. Think it's good for when I need it but don't want to be pushed onto it when I don't. Reviewed on: 10th March 2023

Online and instantly

Fantastic and user friendly service Reviewed on: 10th March 2023

More flexible than a credit card

I'm really happy with Flex, an innovative credit line with built in flexibility. Much more useful to me than my standard credit card (which I've now been able to close. Flex makes it easy to manage payments, flexing them if you have more or less money one month etc. Also better in my view than the other buy now pay later providers because it's with a bank, and sits alongside your account so you're always able to see all your finances together Reviewed on: 10th March 2023

Great utility

Very easy to register and start using Great utility for someone new to the UK Reviewed on: 10th March 2023

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