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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)

Flexible money

Flex helps me balance those bigger purchases over 3 paydays. The ability to pay in full or split it really helps to ensure I am in Control. It so much better than any credit card Reviewed on: 3rd March 2023

Excellent bank and service

Cannot fault monzo. Would choose them over any other bank Reviewed on: 3rd March 2023

Amazing feature and constantly improving

Have used this feature more times than I can count for those purchases that are a but process but you could cover over a plan. Haven't paid a penny of interest and the deferred payment is another brilliant feature! Reviewed on: 3rd March 2023

Never lets me down

This bank never lets me down , Monzo flex is first class and works well for my lifestyle . I highly recommend this bank for your everyday needs .You won’t be disappointed Reviewed on: 3rd March 2023

The Most intuitive user-Friendly Bank That Exists.

MONZO has completely turned the banking world around. MONZO FLEX is innovative, forward-thinking, but also responsible at the same time. It has been a complete game changer having a MONZO/FLEX account. I would highly recommend it. Reviewed on: 3rd March 2023

Pretty much idiot proof!

It’s so easy to get flex set up, to make a purchase and have finance that is easy to understand and in plain English. Monzo even send you reminders when your payment is coming up so there’s no surprises. Flex helps with those purchases that I can’t afford out right and let’s me spread it out to suit me. Reviewed on: 3rd March 2023

Easy and manageable account

very easy account to manage, you are in total control of this account and is easy to keep a eye on your balance and payments. Reviewed on: 3rd March 2023

Flex changes the way I manage credit!

Monzo Flex makes life easier when unexpected bills drop! Ability to split it, within your own bank helps spread the impact of the unexpected Reviewed on: 3rd March 2023

Phenomenal creation

I use flex extensively throughout the month to plan out long term spending and ensure I have the funds to cover everything in this time of soaring costs. I can honestly say, this product changed the way I handle money and got me out of many bad habits by allowing me to feel in control of my spending for the first time since having a bank account. Reviewed on: 3rd March 2023

Flex them all

As a person who doesn't want a credit card and finds interest free credit agreements a pain flex has been a god send. Very quick and easy to use and I love that it's always interest free if going for 3 months Reviewed on: 3rd March 2023

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