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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)

Brilliant service! 5****

Monzo flex is THE best! Very handy and easy to use. I've recommended it to everyone I know. Reviewed on: 3rd March 2023

Smart banking

Not often banks create something new that actually works. Hats off to the Monzo team, Flex is an awesome product it takes banking to the next level. Reviewed on: 3rd March 2023

End of the month lifesaver

Monzo flex is great for spreading out some of the payments towards the end of the month so you don’t go overdrawn before payday arrives. Reviewed on: 3rd March 2023

I would absolutely recommend monzo to everyone because it has easy banking and lots of features available

I can split the bills and pay easily the transactions are fast never delayed and never had a problem with banking. Overall absolutely best bank. Reviewed on: 3rd March 2023

Monzo Flex - my flexible friend

I have been using Monzo Flex on the app since it was first introduced to customers, and find it really helpful for when I'm shopping either in store or online due to the number of instalments I can make in paying for items, and it's very handy being able to make additional payments on the app at any time I want, which is why, in the words of that Access card advert from the 80s, I call Flex my flexible friend. To make it even easier for me, when shopping, I recently received my Flex card, and then via the app, I select how many payments I want to make to pay for the item. Reviewed on: 3rd March 2023

A very quick and easy way to spread the cost of large expenses

It's really nice way to spread thr cost, other products like klarna and PayPal are not as available as monzo flex, since you get to flex past payments it allows you to go far beyond what other providers offer. it's on a different level Reviewed on: 3rd March 2023

Great customer experience and product

It’s been fantastic so far. Monzo provides everything I need for a digital bank. Their product experience is also the best! Reviewed on: 3rd March 2023

Amazingly Flexible!

I have had the most amazing experience with Monzo Flex. It is easy to use, intuitive and F-L-E-X-I-B-L-E. It’s simply been a life saver Reviewed on: 3rd March 2023

Amazing

First bank I have had in the UK that listens to your ideas and actually implement it. The monzo flex is pretty wholesome and notification…Pheew absolute life saver Reviewed on: 3rd March 2023

Monzo Flex

A great financial product innovation. I was accepted for this product, and it has enhanced my banking relationship with Monzo. I would highly recommend this bank to all my friends and associates. Reviewed on: 3rd March 2023

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