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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)

It’s a life saver

It helps you to spend when you out of money Reviewed on: 18th January 2024

Monzo makes banking - 0 stress - exciting - manageable

Monzo makes banking very easy from everyday spending too saving too FLEX !! Monzo flex is the BEST “buy now pay later” credit ive ever used! Convenient easy low apr and keeps you uptodate to ensure no payments are missed. Reviewed on: 18th January 2024

A Great Credit Option!

Monzo Flex is a great credit option, allowing the flexibility to split big purchases into 3 interest free is the best feature. It is easy to understand and I would recommend to anyone. Reviewed on: 18th January 2024

Best bank ever.

Banking with monzo has been so easy and rewarding. Reviewed on: 18th January 2024

Monzo is simply the best.

I have had a Monzo account for about three years now and I love it! It has helped me manage my money better and the introduction of Flex and the innovative way it works is so simple and helpful. Flex has helped me buy things without getting into unrealistic debt and everything is just easy to understand. Everything about Monzo is just brilliant. Reviewed on: 18th January 2024

Recent monzo review

Using monzo for about a year now, always been very easy to use and customer service is excellent. Would 10000000% recommend to anybody. First credit card I have had and it is so useful to help with affordability especially in the cost of living crisis Reviewed on: 18th January 2024

Monzo! A bank with an app ahead of the competition!

I’ve been using Monzo since I came into the UK and I have to admin that it’s probably one of the best apps worldwide. It’s extremely easy to find the information you want and helps you budget your goals and organise your expanses. The app is giving you the right information all the time and gives you the chance to tailor what you want to see, when and how. I don’t believe that I will ever switch to another bank. Monzo is way ahead the competition. Reviewed on: 18th January 2024

Flexcellent

So convenient and easy to set up Reviewed on: 18th January 2024

Flex: Great product that’s always improving

I have been with Monzo since very early on and also had early access to flex. As an alternative to a credit card or using my overdraft it is absolutely brilliant and the way they have listened to user feedback and made adjustments to the product has been very refreshing to see as a customer Reviewed on: 18th January 2024

Fit for Purpose

The Monzo app has literally transformed how I bank and the Flex option is just so easy to use and understand. Saving money in designated pots for future expenditure is a god send. Would be very lost now without this app and the functionality that it offers. Love it. Reviewed on: 18th January 2024

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