Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

View other Monzo products

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

Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Purchase credit card reviews (3174)

Really great service, has helped me out of a bind mo...

Really great service, has helped me out of a bind more than once. Especially with the current cost of living crisis we all need that help. Having visability of what I have vs what I've flexed is a gamechanger, no flicking between different apps. Also the flexibility of changing how much I can pay, when to pay is amazing Reviewed on: 18th January 2024

Easy and transparent to use!

Easy and transparent to use! I know what I have to pay and when, and if I chose and interest option it tells me up front what I can expect to pay, meaning I can make sensible choices on what I can afford. Reviewed on: 18th January 2024

Does what it says on the tin, flex.

Does what it says on the tin, flex. Adjustments can be made easily and flex can be used in stores and online. It's really intuitive and makes managing credit simple. Reviewed on: 18th January 2024

Monzo Flex is an excellent way to access credit and...

Monzo Flex is an excellent way to access credit and get good credit management skills. I can easily spread my balance over 3 months, 6 months or more. I can easily see my total balance and individual balances. I can pay off a payment early, or make an additional payment or clear a balance in full at any time. Reviewed on: 18th January 2024

Definitely best bank ever had!

I absolutely love monzo definitely best bank ever had, User friendly super helpful. Reviewed on: 18th January 2024

Monzo Flex is very convenient, it helps to build you...

Monzo Flex is very convenient, it helps to build your credit score and the payment is easy. Reviewed on: 18th January 2024

Amazing service.

Amazing service. Really easy to use Reviewed on: 18th January 2024

Banking made easy.

Banking made easy. Love the app, easy to navigate. Reviewed on: 18th January 2024

Great FLEXibility

Gives really good flexibility for those who are good with credit cards, really simple interface in the app and puts you in control of you have those up and down months! Reviewed on: 18th January 2024

Opened for investing, staying for the long haul!

I opened the an account for Investing however it quickly over took my original bank as my primary. I had a couple of issues with bad purchases but they were extremely quick to sort them out! The amount of offers they give you as a customer is great. I just hope newer customers aren't overwhelmed with the amount of things they can do with their money from one app! Reviewed on: 18th January 2024

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Card
from Allied Irish Bank - AIB 3.00 from 6 reviews
Credit builder credit card
from Vanquis 4.79 from 19912 reviews
Credit Card
from Ocean Finance 4.73 from 19 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Under 16s account
from Monzo 4.97 from 944 reviews
Investments
from Monzo 4.94 from 1131 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub