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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)

Good Product Held Back by One Extremely Irritating Flaw

Flex is a great product for me as I often travel abroad and so it grants access to the same exchange rates as Monzo current accounts get. This, and the integration of Flex into the Monzo app (and the really pretty physical card itself) make Flex a really good service. The recently introduced cashback options (again very well-integrated) are also very welcome. However, I am really very annoyed that there is no option to have the payment plan default to anything other than (1) one instalment at the end of the statement period (as with the other cards I own), (2) the minimum monthly payment (which effectively is opting in to paying interest on every single purchase), or (3) to go through the time-consuming and fiddly process of manually choosing the payment period on every single transaction individually. There should definitely be the option to opt for the maximum period possible without incurring interest payments, as is my preference when money is tight. Perhaps Monzo has intentionally made this difficult in order to shuttle people into paying interest, but I sincerely hope that this is something that will be updated soon. Without this issue, I would definitely recommend this card without hesitation. Reviewed on: 18th January 2024

No words it’s just suuuuuuuupeeeerrrr amazing!

No words it’s just suuuuuuuupeeeerrrr amazing!!! Reviewed on: 18th January 2024

Great app, easy to use and easy to make payments.

Great app, easy to use and easy to make payments. Like the choice of installment plans . No complaints Reviewed on: 18th January 2024

What life saver this has been!

What life saver this has been. Been able to flex my money on big payments saved me from running out money. The two year plan is such good idea. Recommend it everyone speak to, as it’s get you out of tricky unexpected payments. Reviewed on: 18th January 2024

I am happy with the experience and the service they...

I am happy with the experience and the service they provide. Reviewed on: 18th January 2024

It's made it extremely easy to split payments over t...

It's made it extremely easy to split payments over time, and better yet save on interest by being able to pay off early whenever I want. Reviewed on: 18th January 2024

So easy to use and to manage.

So easy to use and to manage. It’s super intuitive so makes everything a breeze. Reviewed on: 18th January 2024

Flex it like monzo

The names in that fax the flexibility is absolutely outstanding thank you Monzo for creating a credit card that really is for the people Reviewed on: 18th January 2024

Ultimate 'Flex' in the modern banking world!

Ultimate 'Flex' in the modern banking world! Monzo always requests for user feedback which I have seen being factored in and introduced subsequently - an all servicing banking tool I will not hesitate to recommend. Reviewed on: 18th January 2024

Had no issues at all!

Had no issues at all! Everything works great! Reviewed on: 18th January 2024

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