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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)

My money is safe and happy with Monzo

Easy to use facility, my money feels safe and I feel happy to invest, borrow and save through Monzo. Reviewed on: 18th January 2024

Rethinking Credit Cards

I really like how transparent Monzo flex is and how you're able to really take control of your credit. It allows you to see everything as an individual plan so you can prioritise spending where it counts and it's all in one place which makes it very easy to access! Reviewed on: 18th January 2024

Always positive and good service

Always positive and good service Reviewed on: 18th January 2024

A superb service all round never had an issue really...

A superb service all round never had an issue really useful products ie Flex and Get paid early on wage income Reviewed on: 18th January 2024

Great options,

Great options, rapid customer support, excellent flex options, convenient, pay in instalments when needed comes handy. Reviewed on: 18th January 2024

It's informative and helps customers understand thei...

It's informative and helps customers understand their financial challenges. Reviewed on: 18th January 2024

A well thought out product

Well designed, they listen to customer feedback and regularly update it to improve its functionality and UI. Key is that they are transparent at every stage about net costs and fees for the choices you nake Reviewed on: 18th January 2024

Excellent card

Very good banking account especially the free debit card transactions overseas! The flex credit card is so wonderful to pay for items in three chunks! Reviewed on: 18th January 2024

I love monzo!

I love monzo! I have recommended it to so many people. The app looks great and is easy to use. The pots feature is great, and automatic roundups help you to save quickly without really noticing. The flex account is also a great feature. Thanks Monzo for helping me improve my relationship with money! Reviewed on: 18th January 2024

I have had Monzo for years now and flex card is so h...

I have had Monzo for years now and flex card is so handy especially if you are in a pinch!! You can spread costs over a good selection of months with low APR Reviewed on: 18th January 2024

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