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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)

The way forward to my finances

Since I got Monzo Flex which I use to manage a short term expenditure, I feel much more in control of the balances. I can give myself a breathing space with the 3 month interest free but also the section 75 protection for my purchase. The flexibility of payment is also phenomenal. The balance is updated instantly and also additional payments (even in pennies) can be added to lower the overall balance. It is an unique and really helpful product. Has made me be more conscious about any impulse purchases too. The icing in the cake is that it can be use for foreign transactions fee free. Brilliant. 5 stars. Reviewed on: 3rd March 2023

Monzo led the way

How interesting that Monzo would offer a new way of banking - be it saving pots to fit your needs, splitting the price in 3 to make payments more affordable, the ability to freeze/unfreeze your card if/when you can’t find it to keep it safe.. then… other banks would copy the ideas later - clearly Monzo are leading the way Reviewed on: 3rd March 2023

Great

I totally love my monzo flex so easy to use and so easy to pay I sometimes pay my purchases that day or I can flex the payments... It let's me decide what I want to do totally freedom Reviewed on: 3rd March 2023

The best app for mobile banking

Monzo has been the best app for mobile banking for me. I have other bank accounts with apps, and I must say Monzo has been the most thought out app for user experience, from accessibility, how it looks, feels and the different areas in the app to suit the customer journey. I keep up with expenses as the features allow me to do that, how much money was sent across to a business or person and money saving pots. The fact that the premium feature is shown at the bottom so you’ll never forget the services Monzo offers is amazing. I am also a flex user and this has been honestly great for me. Aside of of this Monzo has great customer service and I honestly recommend Monzo all the time to people that have not yet banked with Monzo! Monzo honestly changed the game for me, I use Monzo more than my main bank. Reviewed on: 3rd March 2023

Best bank out there

I love Monzo , the banking app is on a different level to other banking apps, they let you flex payments interest free over 3 months. Reviewed on: 3rd March 2023

Monzo gives me what I need every day

I didn’t know I needed Flex until I realised that I had the same functionality with at least 4 other providers. I wanted all of it in one place. Flex does just that. Credit on my terms. 3 months free (and 2 free 6 months gifts at Christmas!!) and when I’ve spent a little more than I budgeted for i can flex it again to pay a little interest to spread it out. But the real joy is seeing those interest payments slashed when I pay it back early. I can see all of my financial life in the app including any borrowing with other banks including my mortgage. When I wanted to consolidate some cards, the Monzo loans made it simple and as I knew I was prequalified it took the Reviewed on: 3rd March 2023

Brilliant

I have been with monzo since virtually the beginning, it started great and it still is. Reviewed on: 3rd March 2023

Monzo makes life EASY

Everything is easy and straightforward I also get paid a day early!! Reviewed on: 3rd March 2023

Honest and transparent

I love Monzo Flex as I feel I have total control over my borrowing. Not only can I pay in 3, I can flex almost anything I’ve recently paid in full for, and pay over longer instalments if I so wish. I can see what I owe, and pay off early if I want to. Amazing product! Reviewed on: 3rd March 2023

Efficient

I have been banking with so many banks, but monzo is exceptional. everything about there services is second to known. Reviewed on: 3rd March 2023

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