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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

97% 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)

Love it!

Good for managing funds between paydays Reviewed on: 3rd March 2023

Brilliant, simple and intuitive

Just brilliantly done, all simple through the app. Reviewed on: 3rd March 2023

Modern and simple

It’s an app based bank where everything it’s plain and simple. There’s no hidden elements and you never need to search. Just your money in your account in front of your own eyes. Flex- buy now pay later is simple and effective. It’s in the same app with no hidden details. Reviewed on: 3rd March 2023

Flexible, human-friendly

The most human-friendly bank I’ve ever dealt with. Pay off early / pay off extra / clear interest rates … everything you could want from a loan provider and more. Transparent and honest, rare in the given climat. Reviewed on: 3rd March 2023

Very easy to used

i have great experience using monzo flex Reviewed on: 3rd March 2023

Excellent Bank

Monzo have been perfect in every way since I opened my account 2 years ago. Customer service is excellent and any issues always addressed straight away. Reviewed on: 3rd March 2023

Banking with control

I love Monzo for its simplicity and clarity. It’s incredibly easy to set goals and targets and have a complete overview of your finances. To have a line of credit available in the same easy Monzo way with Flex is fantastic. The ability to control repayments and immediately see the effect on interest over time is wonderful. Reviewed on: 3rd March 2023

So easy!

I love how easy it is to manage my accounts with Monzo, and Flex is incredible for easily managing big purchases. Reviewed on: 3rd March 2023

Incredible product.

I’m quite impressed with Monzo Flex. It allows to easily and transparently divide payments for a larger purchases. It’s like a credit card but better. Reviewed on: 3rd March 2023

Monzo is the best bank I've ever found.

I've been using monzo for 3 years continuously and they also helped me many times whenever I had an issue, their support is 10/10 absolutely would recommend for anyone. Reviewed on: 3rd March 2023

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