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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

97% 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)

My most used banking feature

Flex was amazing over Christmas for present buying and other large purchases to help spread the cost so easily Reviewed on: 3rd March 2023

Best bank app by far

It’s basically all I need from a bank app in a nice dressing. Budgeting, savings pots with interests and flex payment Reviewed on: 3rd March 2023

Really good service

I have used Flex many times, it really helps with those unexpected payments and is much easier to work out how much the credit will cost over the short term than a credit card. Reviewed on: 3rd March 2023

Really love the flexibility of flex

Flex is a nice credit facility that helps me manage my daily expenses and spread larger expenses over longer periods. I’d love to see Flex extend the from 1 year to 3 year credit financing Reviewed on: 3rd March 2023

Life changing

It has really changed the way I spend money. I just make purchases now and pay it off in full or in instalments next month, really helps especially when you have unexpected costs creeping up or a new video game gets released mid month :) Reviewed on: 3rd March 2023

Jail Breaker

Helps in both short and long term projects Reviewed on: 3rd March 2023

Just amazing

I’ve joined them as I was let down by my old bank and their app. Monzo just ticks all the boxes and offers so many features in the app. Just amazing Reviewed on: 3rd March 2023

Best FinTech

Everything you need to know about your money in one place Simply put, high street banks should take a few notes Reviewed on: 3rd March 2023

Best bank I've ever been with

I've had nothing but a pleasant experience whilst banking with Monzo, I'd recommend this bank to anyone and everyone Reviewed on: 3rd March 2023

An honest review

Monzo flex is an excellent addition to an already fantastic service. I cannot rate Monzo highly enough. From the innovative features such as flex, early payments and the general helpfulness and e the usual from the team, Monzo is the best banking service I have ever experienced. Reviewed on: 3rd March 2023

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