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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2512 reviews)

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4.95

Based on 2,512 reviews, last reviewed 5th Sep 2025

96% 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 (2512)

Flex is the most simple and convenient service

I love the fact that everything is transparent and you can see when you will be charged interest and when interest. It's allowed to make some purchases where generally I would have to reconsider several times. Reviewed on: 4th March 2023

Love Monzo

The new flex is amazing and even better you can have a card and spilt payments. I always use this instead of a credit card now. Reviewed on: 4th March 2023

Simple amazing

Monzo is incredible, is very simple to use and understand what it’s going on with your money, the flex feature is extremely useful and can save you sometimes (if not always) and I know they are trying to improved even more. Can wait to see what is coming Reviewed on: 4th March 2023

Easy to use

Monzo makes everything really easy to do Reviewed on: 4th March 2023

Helpful, smart feature that just works without any catches

I have used flex for over a year. It worked brilliantly right from the start but the innovations that were gradually introduced since it launched, like the flexibility to change payment schedules, just make it super useful, responsible and flexible. I love flex and I live Monzo! Reviewed on: 4th March 2023

Fantastic Monzo

I absolutely love having a Monzo account. So easy to use, love being able to set up little saving pots if I want to, easy to navigate, so quick and easy to transfer money, and great customer service. I would highly recommend everyone to have a Monzo account and I love the bright card!! x Reviewed on: 4th March 2023

Love Monzo!!

Monzo has really helped me out in the lowest points of my life. Don’t know what I would have done otherwise without the support I was offered. Reviewed on: 4th March 2023

Monzo Flex has really helped me to manage my money and to get on top of my finances

As a self employed person, my income each month isnt fixed and whilst I have always tried to keep on top of my monthly outgoings, it has typically been very hard. Monzo flex really helps me to manage payments by being able to split them over a few months. Being able to do this interest free also means that I am not paying significant overdraft fees like I did previously with my old bank. The ability to manage the flex account from the app and to pay it off early is fantastic and really has helped me to get control of my money. Thanks Monzo! Reviewed on: 4th March 2023

Easy to handle

It is simple to use and useful . I have used many times and it was really helpful Reviewed on: 4th March 2023

Asset Management for the win

The fact I can now split my payments over three months at 0% interest is a life changer. And then if I decide after I get paid just to pay it off regardless with no fees. I have reduced the credit limit on other cards and increased Monzo flex for this exact reason Reviewed on: 4th March 2023

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