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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)

Love Monzo

Love Monzo, I find this way of paying so useful. Reviewed on: 18th January 2024

Really easy to use!

Really easy to use. Nice viability into what payments you have upcoming. Reviewed on: 18th January 2024

Great UI/UX and links to current account

Great UI/UX. Amazing feature set with links to retrospectively ‘flex’ transactions made on my current account. In-built buy now pay later options that provide longer interest free periods than other cards. Reviewed on: 18th January 2024

It’s the way forward with using credit payments and...

It’s the way forward with using credit payments and managing your money. Flex is the right word as the card makes things so flexible with purchases, making bookings easy and even when planning things with friends. I’d say its revolutionised the way I pay for things now. Reviewed on: 18th January 2024

Monzo is the bank to beat!

Monzo is a great choice for an online bank, they provide a level of experience that high street banks do whilst also adding extra features that people ask for. Their customer service is great, they reply quickly and are always helpful. Monzo flex is a game changer for me. It’s replaced my credit card and has helped me reduce my monthly payments. I couldn’t recommend them more. If you go the extra mile and get their premium tiers, you’ll be able to make use of their virtual cards. These are great for those who do online shopping and are wary of scams and hackers. It’s easy to cancel or pause the card without affecting your day to day card. Reviewed on: 18th January 2024

Software users experience is awesome.

Software users experience is awesome. I have three others credit cards but I wish they have the same facilities like monzo flex. It is one of the best great card in my point of view. Reviewed on: 18th January 2024

Absolutely no problems, great bank

Absolutely no problems, great bank Reviewed on: 18th January 2024

Every good control of borrowing money and easy to pa...

Every good control of borrowing money and easy to pay off without going to a third party for borrowing. Very clear at how much you're borrowing and reminds you to set up a payment plan. Very transparent at the cost of all borrowing Reviewed on: 18th January 2024

I’ve never had a single issue with Monzo.

I’ve never had a single issue with Monzo. Always been a great bank to use and great ease of access with a wide range of services available. Reviewed on: 18th January 2024

Monzo, my best day to day bank

It's the best day to day banking and credit you can have. App is Fab and everything is great. Also they have good analytical data in the app helps you to cut your spending Reviewed on: 18th January 2024

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