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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)

It is magics Monzo bank

I think is Monzo bank wander full thanks Monzo team Reviewed on: 3rd March 2023

Convenient, quick and well organised

Regularly use this feature and is very handy. Great addition to Monzo. Reviewed on: 3rd March 2023

Love Monzo!

Monzo Flex helps me spread cost over a few months which I find extremely helpful, especially during this time. Monzo is an excellent bank and extremely easy to use Reviewed on: 3rd March 2023

Excellent feature! Been a fan of it already

Flex is awesome, gives me the flexibility to pay in instalments without all the faff that’s usually included. I’m a fan of it already so couldn’t not to review it. Reviewed on: 3rd March 2023

Absolutely love it

Monzo Flex is a conscientious and moral alternative to credit cards, and I love it. I use it all the time and it has helped me get out of debt, particularly with the option to pay off over three months interest free. Every bank should have this! Reviewed on: 3rd March 2023

Amazing banking with easy flex payments

Monzo is an amazing bank account with flexible options Reviewed on: 3rd March 2023

Life changing bank

A great way to escape credit cards and use you bank to spread purchases, pay off small amounts when you can, keep an an eye on you balance. Monzo banking is nothing short of life changing. The bank everyone has been waiting for. Reviewed on: 3rd March 2023

Amazing customer focused experience

So easy to use. Love the mobile first approach and Monzo Flex has been super useful recently. Reviewed on: 3rd March 2023

Best bank

Everything is on hand and works. No fuss no worry Reviewed on: 3rd March 2023

Monzo is all you need for banking

Monzo is amazing, especially the app. I gradually receive a lot of offers from the bank such as overdraft, flex (equivalent to credit card), free trial to plus account, zero interest offers. The bank really appreciates their customer and understands the customers needs. When travelling, no more currency exchange. What I need is just the coral debit card. I can swipe for transactions and withdrawals without any charges. Amazing! It the new way of banking nowadays. Love Monzo! Reviewed on: 3rd March 2023

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