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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)

Great app, easy to use and easy to make payments.

Great app, easy to use and easy to make payments. Like the choice of installment plans . No complaints Reviewed on: 18th January 2024

What life saver this has been!

What life saver this has been. Been able to flex my money on big payments saved me from running out money. The two year plan is such good idea. Recommend it everyone speak to, as it’s get you out of tricky unexpected payments. Reviewed on: 18th January 2024

I am happy with the experience and the service they...

I am happy with the experience and the service they provide. Reviewed on: 18th January 2024

It's made it extremely easy to split payments over t...

It's made it extremely easy to split payments over time, and better yet save on interest by being able to pay off early whenever I want. Reviewed on: 18th January 2024

So easy to use and to manage.

So easy to use and to manage. It’s super intuitive so makes everything a breeze. Reviewed on: 18th January 2024

Flex it like monzo

The names in that fax the flexibility is absolutely outstanding thank you Monzo for creating a credit card that really is for the people Reviewed on: 18th January 2024

Ultimate 'Flex' in the modern banking world!

Ultimate 'Flex' in the modern banking world! Monzo always requests for user feedback which I have seen being factored in and introduced subsequently - an all servicing banking tool I will not hesitate to recommend. Reviewed on: 18th January 2024

Had no issues at all!

Had no issues at all! Everything works great! Reviewed on: 18th January 2024

Fantastic to use, very easy UI to navigate and incre...

Fantastic to use, very easy UI to navigate and incredibly intuitive. Monzo customer service is top notch, I can message them and not have to hang around for a reply - instead I can actually get on with my day. the ability to flex past transactions helps enormously with anything out of the blue. Reviewed on: 18th January 2024

One of the best new credit facilities available.

One of the best new credit facilities available. Being integrated so well with Monzo’s current account has made it invaluable, from paying off individual purchases with a couple of taps to moving large purchases made with your debit card that you want to spread the cost over a few months. Easily replaced my other legacy credit cards. Reviewed on: 18th January 2024

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