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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

54% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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 (3174)

Monzo Flex is good I recommend to everyone

Monzo Flex is good I recommend to everyone Reviewed on: 18th January 2024

I am very happy with Monzo, they helped me providing...

I am very happy with Monzo, they helped me providing flexibility and Investment, pots. Especially the user interface its very easy. Reviewed on: 18th January 2024

It was very easy to get Monzo Flex and I'm enjoying...

It was very easy to get Monzo Flex and I'm enjoying using it. When getting it newly I was provided with sufficient credit limit. Reviewed on: 18th January 2024

Monzo is class.

Monzo is class. Leading the way and revolutionising the way banking is done. Modernising an old fashioned industry. Making money decisions more interested into my daily life and helping me be financial secure. Reviewed on: 18th January 2024

Easy to use and edit installment plans

Easy to use and edit installment plans Reviewed on: 18th January 2024

Fantastic facility with great flexibility

Been using this for over a year now and having the flexibility to decide the length of repayment and getting an interest free period is just ground breaking as a facility to offer consumers. Reviewed on: 18th January 2024

Simple and easy to use

Pretty good, I like how it's integrated into the app. The only thing I wish is that you could set the default option to be the longest repayment term without interest. Currently it just defaults to the longest one (but with interest), and you have to manually adjust it. Reviewed on: 18th January 2024

It is very good

It is very good at what I use it for it allows me to make better financial decision and get a better deal when trying to buy things online and spread the cost of large and small purchases over a period of time Reviewed on: 18th January 2024

This is how personal borrowing should be.

This is how personal borrowing should be. Technology-led and customer-focused. The ease of use and clarity of vital information makes it far easier to borrow responsibly and stay in control of my finances. I love the visual nature of the app, which shows me exactly what I need to know about the terms of borrowing, and the structure of repayments. It's a great feeling seeing the progress bar fill-up on a Flex purchase, knowing that it's about to be paid back in full. Interest charges are fair and more clearly displayed than in any other borrowing agreement I've seen. Top marks from me. Thanks Monzo. Reviewed on: 18th January 2024

Customer service Improvement needed

Customer service response time needs but overall, it's excellent. Reviewed on: 18th January 2024

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