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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

56% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 2026

Latest lowest rating:

2

The most Useless CC I am trying to use Monzo flex credit card and where ever I've tried to use it and that's multiple places it doesn't allow me to use it. It's the most ... Read more Reviewed on: 4th June 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 (3174)

I really like the app, to have physical card is supe...

I really like the app, to have physical card is super useful, evening work clear and smooth. The best part is to have interest free 3 instalments. Reviewed on: 18th January 2024

Flex gives flexibility of payment with easy and it h...

Flex gives flexibility of payment with easy and it helps in planning finances well. Reviewed on: 18th January 2024

Been banking for a while now never had an issue, goo...

Been banking for a while now never had an issue, good incentives Reviewed on: 18th January 2024

It was great, l can be flexible with my payments

It was great, l can be flexible with my payments Reviewed on: 18th January 2024

Simply better than the rest

Simply better than the rest - Monzo Flex is what I always wanted PayPal Credit to feel like. It allows me to not only split up big online purchases, but also any in-store shopping and restaurant dining that can be more on the pricy side. The user interface is very intuitive and also helps to motivate you to pay your purchases off early. I've had a few 0% APR cards before, but this simply takes the cake with the option to defer later payments and incur some interest as opposed to none. Reviewed on: 18th January 2024

I love Monzo Flex.

I love Monzo Flex. Best credit service I've ever used. The product is designed in a way that gives me full control and full transperency over my payments, my credit limit, and my total transactions. And the UI is beautifully made, and makes a ton of practical sense. Reviewed on: 18th January 2024

Monzo has changed my financial life for the better.

Monzo has changed my financial life for the better. It’s given me the tools I need to manage my finances more effectively and save easier. Reviewed on: 18th January 2024

Using Monzo for couple of months with no Issues

Using Monzo for couple of months and not a single issue I have observed. Reviewed on: 18th January 2024

Fantastic all round.

Fantastic all round. Great customer service easy to use and clear language used Reviewed on: 18th January 2024

Flex is an excellent way to pay for something on cre...

Flex is an excellent way to pay for something on credit with the option of 3 months intest free and if you want to pay it over a longer period of up to 24 months. Also great rate of 19% apr on the card which is a good rate I think Reviewed on: 18th January 2024

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