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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)

Banking made easy

Everything I want to do with banking, I can do through the app, and it keeps getting better Reviewed on: 3rd March 2023

Absolutely life changing

I have never managed my money so well Reviewed on: 3rd March 2023

Best banking ever

I am new to the UK and till now have banked with numerous banks but I have to say banking has never been so smooth and amazing, and they irony is Monzo is able to deliver such an amazing experience by digital only means. I am chuffed. Reviewed on: 3rd March 2023

Excellent product execution

Flex has changed the scene with its BNPL built into the current account experience. I have been able to feel more safe and confident when using credit with enough time to pay things off based on my circumstances with a gene round free interest period and a lot of support to pay things early if I am able and have help if I struggle to pay it off. I would definitely recommend Reviewed on: 3rd March 2023

Monzo the best!

The best bank, most convenient, better than the big players to say the least. Flex is hands down the best thing I have used. Reviewed on: 3rd March 2023

Very helpful for my money management

Monzo has helped me with my money management. Monzo flex has meant I do not need a purchase credit card and has helped me stop using things like Klarna. Reviewed on: 3rd March 2023

What an amazing thing flex is

It’s so good you can use it for most payments amazing for cash flow Reviewed on: 3rd March 2023

Flex helps you out when in a tight spot

With everything going up, flex helps you when you need that extra boost to the month so you can buy your weekly food. Reviewed on: 3rd March 2023

The best perk of Monzo!

Monzo flex is the best addition to the already incredible Monzo bank. It easily allows me to flex payments over the last 2 weeks and let’s me use it online to stay safer. It integrates perfectly with the app. Couldn’t recommend enough! Reviewed on: 3rd March 2023

Flexible

Easy to use and able to send me to places Reviewed on: 3rd March 2023

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