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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

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

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

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