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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)

Flex your finances!

Monzo flex gives you an easy way to spread your costs, 3 months is always interest free, a small interest on anything longer. Use it like klarna for large payments only, or treat it like a credit card by setting it up as your default payment method on everything - all up to you! Reviewed on: 3rd March 2023

I use it oversees

Great service good credit limit, I recommend it. It has 3 month’s interest free Reviewed on: 3rd March 2023

Saved me more than once

On a few occasions I have needed the flexibility to spread costs out or pay a bit later and Monzo's smart banking has really impressed me and helped me manage my money and spending. Reviewed on: 3rd March 2023

Financial innovation

After a long time we see such innovation in retail financing space. This is so handy. So clear and transparent. I use it for all my small and big purchases. Very easy to keep track of spending. Thanks to monzo for such a wonderful product. Reviewed on: 3rd March 2023

Monzo flex has been so helpful

Flex has really helped me save money these past few months, and has also helped us to organise expenditure in the run up to our wedding Reviewed on: 3rd March 2023

Monzo flex is the best

Monzo flex has helped me a a lot its is better than your everyday credit card and better to maintain and keep. Reviewed on: 3rd March 2023

Best thing ever

Imagine klarna without the greed. Flex is like that but simpler with better customer service. I use it regularly and don’t know what I’d do without it Reviewed on: 3rd March 2023

The bank that just gets it!

I couldn’t be more complimentary about Monzo as a bank account. It is easy to use, full of personality and works for you! I love the varying levels of accounts you have access to, the additional extras you can bolt on and how it gives you the ability to manage your finances your way. Monzo Flex is a great addition to their range, it keeps the buy now pay later in-house and avoids setting up with an additional lender. Fantastic experience so far! Reviewed on: 3rd March 2023

A reliable way to help spread an unexpected cost

Recently one of my pets was incredibly ill and we had to go to see an emergency vet. As you can imagine that cost an arm and a leg that I wasn't ready for, but this helped to spread that cost across a generous period with no interest. Reviewed on: 3rd March 2023

Real and flexible banking

Monzo Flex is an original step forward for consumers and highlights the pro-customer attitude Monzo holds. When Monzo Flex was launched, all my other banks suddenly offered a similar service but with half the functionality Monzo offers! Monzo really helps those months where you have a lot going out (Christmas and New Years, with birthdays and valentines around the corner!) without making you go through a gruelling process to be accepted for a credit card. Monzo Flex is the best innovation to a banking app I have seen in a long time with its implementation completed to such a high standard, and I expected nothing less than that from them. Thanks Monzo for always looking forward and after your customers. Reviewed on: 3rd March 2023

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