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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)

User-friendly experience by using a flexible banking app

The flex instalment is so flexible by just a few clicks over the Monzo banking app. The client can immediately choose to do the instalments in the banking app just right after the purchase transaction was made. Reviewed on: 9th March 2023

Fantastic service

Excellent product that allows you to break the cost of your purchase over 3, 6 or 12 months Reviewed on: 9th March 2023

Best way to manage money

I love how the way Flex updates balances instantly Reviewed on: 9th March 2023

Great options for purchases

I really like being able to choose 0% or to pay interest on anything and having a fixed time to repay feels so much safer when spending. Looking forward to having a higher limit so I can get rid of my other credit card. Reviewed on: 9th March 2023

Great feature

Great alternative for credit card. Reviewed on: 8th March 2023

Brilliant idea

A brilliant idea who ever thought of this Monzo flex is so easy to do it really helps you out in money matters if you need to spend it on something else and you don’t have the money that’s when Monzo flex comes in just brilliant Reviewed on: 7th March 2023

Interest free is gold opportunity

I have been using flex for nearly one year it’s really good that you can used flex for 3 months without interest. And December they gave 6 month interest free instalment that was really good for Christmas shopping so I recommend Monzo to every one as no other bank give this opportunity Reviewed on: 7th March 2023

Best Bank Ever

Monzo is the best bank I have ever used. It’s simple, customer friendly & always offering new pioneering services. Thank you Monzo Reviewed on: 6th March 2023

Simple to use

Far more flexible than others, directly linked to your bank account. Clear credit line rather than guessing like the pink company. Reports to credit file to build history. Reviewed on: 6th March 2023

Fast, easy and transparent

Monzo makes splitting bills and making payments easy but what I really love is their commitment to not using any confusing language which makes banking with them more accessible Reviewed on: 6th March 2023

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