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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)

everything you will ever want

Great bank, and never had any issues. The only areas of improvement I would suggest is the premium account benefits if they were customisable, as the lack of breakdown cover is whats keeping me with my other bank. Their middle tier premium account doesnt feel like its very good value for money as some of the features are free as standard with other banks. If something were to be done about these niggles i reckon this would be a solid 5/5 bank for sure Reviewed on: 6th March 2023

Great credit card alternative

The app is user-friendly, and it is easy to navigate, which makes managing my account a breeze. The app provides real-time updates, allowing me to keep track on my expenses easily. Super recommended! Reviewed on: 6th March 2023

The best way to track spending

Monzo does a lot of the work for me. It sets reminders and gives me options on how to spend. It also tells me my spending habits and gives a comparison to previous spending history. I love Monzo and recommend it to everyone even if they already have it. Reviewed on: 6th March 2023

Simple and efficient yet powerful

It's modern banking with a convenient ever-evolving app, helpful (or it used to be, at least) support, convenient features, and transparent rates. and Flex replaced my credit cards completely. Reviewed on: 6th March 2023

Greatest bank ever!

This bank has been a massive breath of fresh and helped me to manage my finances in a whole new light! Reviewed on: 5th March 2023

Lovo! Love! Love!

So much better and more flexible than a credit card for spreading the cost of large purchases with 0% interest. Love being able to pay in 3 and being able to retrospectively flex purchases to free up cash leading up to the end of the month is very handy. Thanks Monzo! Reviewed on: 5th March 2023

Fantastic Service

The flex account system with Monzo has really put me in control of my lending and budgeting. I can spread the cost of a purchase over 3, 6, 9, or even 12 months! I can make extra payments that come off at the end or pay my monthly payment early anytime I like, I can also clear the balance in full with no admin charges. I also like how it's really clear about how much you pay in interest and how much you save when you pay the balance early. It's just super clear! Reviewed on: 5th March 2023

Great user experience

Card is really easy to use via the app Reviewed on: 5th March 2023

Lovely solution to spreading costs within your means

Monzo flex has been useful in spreading the cost of some larger expenses, whilst still staying within my means. You can get no interest payments, and repay early with no penalty. Reviewed on: 5th March 2023

Flex on flex off

Not sure how I survived day to day finances before flex. I can’t praise it enough, it really has been a game changer, I love the flexibility of payments options, and being in full control at all times which is very important to me. Old fashioned credits cards have been cut up and replaced by flex. There’s absolutely no going back. Reviewed on: 5th March 2023

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