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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)

Monzo has been a financial life saver for me

Monzo has been a financial life saver for me. Absolutely easy to use, clean and straightforward with rules and directions, multiple ways of investing your money and being organised with it as well. Absolute GOAT of a bank Reviewed on: 18th January 2024

Flexawesome!

I love Monzo and their Flex product, as it has allowed me to manage the purchase of items for my new home renovation that I could not have done without it. Not to mention the flexibility of on-the-go adjustments to my payment plans with a product that's extremely simple to understand and without hidden fees. I love Flex and Monzo! Reviewed on: 18th January 2024

Very good excelente working .

Very good. Excelente very attencion Reviewed on: 18th January 2024

Never had a problem with this bank ever and when I h...

Never had a problem with this bank ever and when I had a problem with outer sources Monzo helped and dealt with the situation amazingly Reviewed on: 18th January 2024

All is the perfect I like them.

All is the perfect i like them. Reviewed on: 18th January 2024

Excellent

Good credit card..... Easy repayment. Flexible Reviewed on: 18th January 2024

Just how banking should be

Fantastic app, great customer service, just how banking should be. Always looking forward to the next enhancement from the Labs. Reviewed on: 18th January 2024

Why Monzo is the best.

Monzo are an amazing bank and offer so many great services such as Flex, joint accounts and investing. Flex allows me to spread purchases over multiple years and at a rate which I can select with different interest options, it is tremendously flexible and I love it. Monzo has an amazing app as well that is so easy to use. Reviewed on: 18th January 2024

Since flex opened i have more freedom

Since flex opened i have more freedom at the time of spending money without worrying for tha repayments. Reviewed on: 18th January 2024

I would avoid like the plague

I felt like Monzo felt is a very easy way to fall into debt. Just because it auto puts everything into 3 monthly payments which adds up. I am very good at managing my money but with Monzo flex I felt I was very very close to slipping into debt because I didn’t think ahead about the payments but they add up. And I honestly feel a lot of other people will think this way too and get into debt problems and make Monzo lots of money but hurt a lot of normal people Reviewed on: 18th January 2024

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