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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

96% 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)

Convenience & ease of mind delivered

Convenience & ease of mind delivered Reviewed on: 3rd March 2023

Excellent innovative idea for new bankers

Monzo bank is so easy to use. Very attractive and easy user interface ever seen in a banking app. Monzo flex is so easy and best is the 3 month payment with no interest rate. So convenient for the users. Reviewed on: 3rd March 2023

Easy to Flex

Monzo Flex is an easy way to buy now and pay later, being able to view your options and interest rates on paying over 3 months (interest free) or 6 - 12 months. Never had an issue and so easy being able to pay off my bills early! Reviewed on: 3rd March 2023

10/10

It blows my mind when people don't have Monzo. There's no other bank close to it. I can view my finances easily, track my spending with trends, create pots to organise myself, and pay friends with ease. Split the bill and tabs are both such a good features. And flex is my new favourite thing. 10/10 would recommend. Reviewed on: 3rd March 2023

Best bank by far!!

Such an amazing feature, love that it’s completely customisable! Reviewed on: 3rd March 2023

Love it!!!!

Monzo flex is great. The new features they added is amazing. Low interest on 6+12 months payments and the occasional offer for no interest on those payments. Would and have recommended it to family and friends. App is so easy to use as well so able to see exactly what you have flexed and how much you owe at the end of each month. Reviewed on: 3rd March 2023

Great!

Great product all around. Easy to use and understand the charges with a lot of flexibility on how to repay. Reviewed on: 3rd March 2023

Easy banking

Monzo is super easy, really enjoy the split bill feature, round up pot and also pots for specific bills. I’ve got adhd so budgeting is really difficult for me and monzo is a good tool for steering my spending. Whenever I’ve needed help, customer service have been super quick to reply and are helpful. Reviewed on: 3rd March 2023

Since came to London, I'm a Monzo fan!

It's perfect! Since I walked in (2019) I've been surprised several times: Monzo keeps improving the facilities you have on managing your money. I have accounts with Barclays, HSBC, Tesco, etc and no one compares with Monzo. No one keeps improving like Monzo does! Keep up the good work! Reviewed on: 3rd March 2023

Best in class

Comparing 6 banks I used - none stands even close in terms of UX, usability and customer journey Reviewed on: 3rd March 2023

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