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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)

Makes banking easy

Everything is made simple, easy and fast. Fex is super flexible and easy to use Reviewed on: 3rd March 2023

Monzo is the GOAT

I Have used Monzo for 5 years now and can honestly say it’s the best bank I’ve been with! I love how clear and easy it is to keep track of my income and outgoings. The interface is so clear and concise and I can always tell exactly where and when my money is leaving or coming to my account. the customer service is also second to none! Whenever there is an issue or I need help or advice. Monzo are to the rescue! I have also been using the Monzo flex card and have found it to be so useful and above and beyond the competitors such as Klarna. I love how easy the Flex card is to use and manage my monthly instalments. All in all! Monzo is the way forward and I can never see myself switching banks again! Reviewed on: 3rd March 2023

Best bank

I wasn’t fit to save to I join this bank Reviewed on: 3rd March 2023

Super easy to use

Extremely easy to use interface, Any issue I have are answered straight away and the app makes sending and receiving money a breeze Reviewed on: 3rd March 2023

Life Changing!

I've banked with traditional establishments for decades and I can honestly say (even after being dubious) that Monzo have changed my financial life! Every part of the banking process is hassle free, I feel valued as a customer and the innovation of the products they offer to their customers makes me want to commit fully, for life to the Monzo brand! Monzo Flex is a breath of monetary fresh air! Thanks so much for valuing your customers and injecting well needed trust in the banking sector! Reviewed on: 3rd March 2023

Monzo is great!

Easy to use app and even gives me better benefits than my main bank Reviewed on: 3rd March 2023

So Clear - So Easy - So Communicative

Helps my life run more smoothly Reviewed on: 3rd March 2023

Monzo flex is a great feature

A market leading innovation which offers flexibility for spreading the one off costs over Christmas/holidays over a few months at either no cost or competitive APR rates. The best thing is that the debt has a defined end date which saves you money in the long run vs revolving credit on a credit card! Reviewed on: 3rd March 2023

Monzo Flex is a life changer

Monzo flex has been such a great way to manage expenses between pay days when something unexpected happens. Compliments all the amazing budgeting features. Reviewed on: 3rd March 2023

Saving me money daily!

Monzo flex has helped me manage my finances and make those necessary large purchases without getting stung with interest. Being able to space out unexpected costs over three months interest free have been a lifesaver. Also, very useful when buying something for a group when I haven’t been paid back yet, I can make the payments as I receive the money from each person. Highly recommend! Reviewed on: 3rd March 2023

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