Write a review

Newsletter

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

View other Monzo products

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

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

Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

I have been using Monzo bank for a number of years,...

I have been using Monzo bank for a number of years, never gone down, offers levels of services that other banks can only dream, Monzo sets the bar high and keeps clearing that bar. From loans to good rate credit card, I have used banks for 50+ years, only time I have received this level of service and reliability was from a small bank that was taken over, truly a Bank that recognises its customers are it’s life blood and treat them accordingly. Reviewed on: 18th January 2024

Monzo for the win!.

The monzo app is so easy to use. I love I can control my spending on my Flex. I enjoy paying more off as it shows me how much interest I'm saving - it's like a little happy dance! Being able to spend abroad in local currency without raking up massive charges is the best & honestly the only reason I opened a Monzo account. I do use it more and more and have looked into upgrading. Reviewed on: 18th January 2024

i have not had issues with monzo.

i have not had issues with monzo. its a good bank and i am happy to have an account here Reviewed on: 18th January 2024

It’s very easy to use and flex your payments

It’s very easy to use and flex your payments Reviewed on: 18th January 2024

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

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 (discontinued)
from Tandem 4.65 from 358 reviews
Gold Credit Card
from American Express 4.51 from 25 reviews
Premier Credit Card
from HSBC 4.12 from 20 reviews

Want to see more from Monzo?

Under 16s account
from Monzo 4.89 from 945 reviews
Investments
from Monzo 4.86 from 1147 reviews
Current account
from Monzo 4.85 from 19429 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