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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)

Monzo have always been an excellent bank to be with.

Monzo have always been an excellent bank to be with. Their customer service is fantastic. Reviewed on: 16th February 2026

Customer focussed, non punitive for innocent mistakes.

Customer focussed, non punitive for innocent mistakes. 10/10 product for people managing their money. Reviewed on: 16th February 2026

It’s just soooo easy to use!

It’s just soooo easy to use! And really helpful, Monzo makes it really easy to understand your spending habits and Flex is an excellent way to help control that spending. And best bit is you can make interest free repayments. Reviewed on: 15th February 2026

Money made Easier

Easy to use plus helpful all round banking Reviewed on: 15th February 2026

A brilliant respomsible bank.

A brilliant respomsible bank. Flex is a superb way of spreading payments interest free, over three months. No foreign currency exchange charges. Thoroughly recommended. Reviewed on: 15th February 2026

Fantastic bank & credit provider

I initially opened a monzo account as my secondary account but quickly made it my only bank account & use my flex card regularly for larger purchases due to the ability to spread them over 3 months interest free Reviewed on: 15th February 2026

Excellent service, information, good value

Excellent service, provides lots of information on your spending, option to pay over three months interest free. Reviewed on: 15th February 2026

Super easy , very helpful , great service

Super easy , very helpful , great service Reviewed on: 15th February 2026

Hassle free and easy to use, the app makes everythin...

Hassle free and easy to use, the app makes everything so simple Reviewed on: 15th February 2026

I use Flex for larger purchases that I wouldn’t be a...

I use Flex for larger purchases that I wouldn’t be able to buy outright. It helps me to manage my repayments and can pay more/less easily by simply rearranging the payments Reviewed on: 15th February 2026

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