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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)

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

Monzo are great.

I have been with Monzo for almost a year and really love that they meet my banking needs every day. Reviewed on: 18th January 2024

never had an issue with monzo flex.

never had an issue with monzo flex. combination of buy now pay later and a credit card. as there’s a limit you can’t get into trouble like you can do with other companies as the limit is set like a credit card, in relation to your credit score. Reviewed on: 18th January 2024

good service, very useful, moved my main bank to Mon...

good service, very useful, moved my main bank to Monzo after a few months, easy to manage money Reviewed on: 18th January 2024

The most flexible credit card there is

The most flexible credit card there is. Nothing comes even close, honestly. Backed by a smart and intuitive mobile app that is getting improved all the time. Reviewed on: 18th January 2024

Monzo helped me get my life back on track

Since joining monzo I have been able to track my finances and spending much easier which has allowed me to get my credit rating back on track. I also love monzo flex and this has also helped to get me out of some hard times that required emergency funds. So from me personally thank you to the whole team at monzo. Keep doing what you are doing. Reviewed on: 18th January 2024

Brilliant tool for easy and safe borrowing.

Brilliant tool for easy and safe borrowing. This is my first account of this type and it has been excellent in teaching me how to safely borrow money and keep on top of my repayments. It is extremely simple, ensures that your limit is within your means and allows for various repayment methods. Reviewed on: 18th January 2024

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