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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)

Flex

it's difficult to get flex but its Good if you have one Reviewed on: 3rd March 2023

Amazing type of borrowing

Split the payment over 3 months with no interest or longer if needed. Add and remove payments at will. See everything clearly laid out as well as each month's payment adapting in real time. What more could you want? Reviewed on: 3rd March 2023

Excellent and innovative

It’s been the best decision to swap to Monzo. It’s innovative and intuitive; I’ve never felt more in control of my money. Reviewed on: 3rd March 2023

Monzo Flex is so easy to use

Monzo Flex is so easy to use! It makes it very clear and simple how much it will cost per month and how much interest if any you would pay. Reviewed on: 3rd March 2023

Better than a credit card

Monzo flex is really easy to use, budget and spread the cost on larger purchases. It's easier to view your account as well since I ordinarily bank with Monzo anyway. Reviewed on: 3rd March 2023

Flex is Best

I love ❤️ Monzo Flex Reviewed on: 3rd March 2023

Excellent and easy to use

Excellent and easy to use, no hassle and clear instructions Reviewed on: 3rd March 2023

Excellent bank all-round

The tools offered by Monzo really helped me to budget my way out of debt. The team were extremely supportive of me following a romance fraud, even helping me find a therapist. Flex is an excellent service, helping me get back on my feet. Reviewed on: 3rd March 2023

Best account management

Of all the banks monzo makes it the easiest to understand and manage your finances and borrowing. Reviewed on: 3rd March 2023

Monzo is reinventing banking for the better

I honestly can't think of a better bank to be banking with. Takes minutes to set up an account, it's filled with features that rival other high street banks and Monzo Flex is a game changer. Being able to flex yearly payments or even your local shopping over 3 months gives you peace of mind, who needs credit cards when you've got Monzo. Reviewed on: 3rd March 2023

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