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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

Amazing efficient service, great to have 3 months in...

Amazing efficient service, great to have 3 months interest free option, works well for me right now Reviewed on: 18th January 2024

Excellent bank

Never had an issues , great customer service , Reviewed on: 18th January 2024

A true example of disruptive banking

Have been a Monzo customer since the beginning. Love the fact you’ve built an entire bank on Kubernetes that challenges and disrupts the archaic mainframe based infrastructures used by the traditional banks. Reviewed on: 18th January 2024

Good customer service and excellent service

Good customer service and excellent service Reviewed on: 18th January 2024

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

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