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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)

So many well thought out features like Monzo flex, s...

So many well thought out features like Monzo flex, shared tabs, savings, categorising spend, paying and requesting. Everything has been thought out ahead of traditional banks Reviewed on: 18th January 2024

Excellent service provider

Flex was very easy to set up and has worked seamlessly. You get the same exchange rates as your monzo card when travelling abroad, and you can pay it back in instalments or in full without any interest charged. Reviewed on: 18th January 2024

Helped alot and friendly

Very helpful staff and helped me when I was in need a couple of months ago with extending a payment period back. Reviewed on: 18th January 2024

Never had a problem, everything super easy

Never had a problem, everything super easy Reviewed on: 18th January 2024

Good beginners card

It’s easy to use and very simple to understand and the option on the app are very simple and extremely explanatory in how it all work. In my opinion it’s a good credit card for beginners to learn Reviewed on: 18th January 2024

Monzo WAS my side bank

I started using Monzo on the side many years ago behind my traditional banks back and it quickly became my bank of choice. The instant notification of my money activity and transaction history visible from the second I spend money was unheard of. I have loved them ever since. Reviewed on: 18th January 2024

Everything perfect!

Everything perfect, all systems work great, fast and easy to use. Reviewed on: 18th January 2024

Monzo customer service has always been great.

Monzo customer service has always been great. Any questions or issues I’ve needed help with they’ve always been super quick at responding to my queries. They’re so friendly as well they make you feel comfortable with whatever questions that you ask. Reviewed on: 18th January 2024

Easy to use & i love that you can pay early, no inte...

Easy to use & i love that you can pay early, no interest. I would highly recommend Reviewed on: 18th January 2024

Monzo - the bank for the people

Monzo makes taking credit easy. It’s a bank that thinks about the individual. They make the whole experience effortless and offer a range of payment plans as well as being able to pay off your credit early. Reviewed on: 18th January 2024

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