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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)

Puts you in control

Monzo Flex is dynamic, open to changes in your circumstances and keeps you in control of your money and your spending in every step of the way. I like how easy it is to pay and overpay and have the view on one easy phone screen. Reviewed on: 18th January 2024

There's no better alternative

Monzo has changed my financing. The pots, the investments, savings and money management have made my financials a breeze. It's so easy to set aside your monthly bills, set savings goals and even track your mortgage progress all within the app. It seems that Monzo have no limit to their creativity and new features are being released all the time. 10/10, I recommend to all my friends and family. Reviewed on: 18th January 2024

Monzo, bank of the year! Again!

Monzo Flex is extremely reliable abd easy to use. There are customiseable features for Flex, and the range of settings and information os really good. Really customiseable and the Monzo team are always open to review and take feedback. This is really helpful! Reviewed on: 18th January 2024

Best bank

Best bank and good customer service Reviewed on: 18th January 2024

Flex it baby

Easy to use. Convenient. Pay early , good credit limit increases . Option to pay over longer for bigger purchases Reviewed on: 18th January 2024

Fantastic all the way

Monzo has been fantastic all the way. Never had any issues using the app and when I need help it’s at a press of a button Reviewed on: 18th January 2024

Monzo Flex is an easy to use and easy to manage card.

Monzo Flex is an easy to use and easy to manage card from a bank that has always provided great customer service. It's really easy to manage payments within the app, whether you want to pay more, less, or even all of the outstanding amount, it can be done in a few seconds and a few taps. It's also really clear to see what payments are due for any given upcoming month, helping to manage your finances. Reviewed on: 18th January 2024

My favourite banking app.

I’ve used Monzo for a while now & it is the easiest banking app I’ve used. It’s clear and simple and everything is easy to find. On occasion when I’ve needed advice their customer service has responded quickly and solved my issue appropriately. I love the change pot rounding up too. It was quick to set up but yet it feels secure. Reviewed on: 18th January 2024

The best

I really like having a lot more authorisation notifications for transactions as I know my card is really secure. I’ve had a loan and an overdraft via Monza with no issues what so ever and are really flexible in selecting how much you want etc and having Monzo flex is also an amazing feature as I think things like Klarna and clear pay it’s hard to see the amount you’ve actually spent and being able to spread the cost further especially on bigger purchases is amazing ie car repairs and the interest rate for me is low. I pay £5 to be able to see other accounts on the app which is extremely helpful and the round up pots is a great way for me to save up money. Reviewed on: 18th January 2024

Fast easy and manageable.

Fast easy and manageable. Very straight forward to view and manage Reviewed on: 18th January 2024

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