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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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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Monzo Flex Purchase credit card reviews (3086)

Flex: Great product that’s always improving

I have been with Monzo since very early on and also had early access to flex. As an alternative to a credit card or using my overdraft it is absolutely brilliant and the way they have listened to user feedback and made adjustments to the product has been very refreshing to see as a customer Reviewed on: 18th January 2024

Fit for Purpose

The Monzo app has literally transformed how I bank and the Flex option is just so easy to use and understand. Saving money in designated pots for future expenditure is a god send. Would be very lost now without this app and the functionality that it offers. Love it. Reviewed on: 18th January 2024

Monzo are great.

I have been with Monzo for almost a year and really love that they meet my banking needs every day. Reviewed on: 18th January 2024

never had an issue with monzo flex.

never had an issue with monzo flex. combination of buy now pay later and a credit card. as there’s a limit you can’t get into trouble like you can do with other companies as the limit is set like a credit card, in relation to your credit score. Reviewed on: 18th January 2024

good service, very useful, moved my main bank to Mon...

good service, very useful, moved my main bank to Monzo after a few months, easy to manage money Reviewed on: 18th January 2024

The most flexible credit card there is

The most flexible credit card there is. Nothing comes even close, honestly. Backed by a smart and intuitive mobile app that is getting improved all the time. Reviewed on: 18th January 2024

Monzo helped me get my life back on track

Since joining monzo I have been able to track my finances and spending much easier which has allowed me to get my credit rating back on track. I also love monzo flex and this has also helped to get me out of some hard times that required emergency funds. So from me personally thank you to the whole team at monzo. Keep doing what you are doing. Reviewed on: 18th January 2024

Brilliant tool for easy and safe borrowing.

Brilliant tool for easy and safe borrowing. This is my first account of this type and it has been excellent in teaching me how to safely borrow money and keep on top of my repayments. It is extremely simple, ensures that your limit is within your means and allows for various repayment methods. Reviewed on: 18th January 2024

Everything that I was looking for

Everything that I was looking for Reviewed on: 18th January 2024

Great user experience.

Great user experience. Transparent and clear to see what is due when. Reviewed on: 18th January 2024

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