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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)

Give Flex a go

Really convenient and my new default for any credit lending. super convenient. Just wish it defaulted to longest repayment period without interest rather than defaulting to longest period with interest. Other than that its better than any other competitor especially when budgeting for the retroactive flexing feature. Worth trying by everyone. Reviewed on: 18th January 2024

It’s easy to use and very clear.

It’s easy to use and very clear. You’re encouraged to pay off things as quickly as possible to save on interest, and if it takes any longer they make their charges very clear to you. Reviewed on: 18th January 2024

Best credit card available today.

Best credit card available. Free of charge 3 months spread makes it special. No fuss , we can easily change the date. I use this for holidays , flight or any other large expense. No need to break ur saving, with this just buy what ever u want. Reviewed on: 18th January 2024

Never had a problem since the past 2 years I started...

Never had a problem since the past 2 years I started banking with Monzo. Reviewed on: 18th January 2024

The banking experience have had so far has been grea...

The banking experience have had so far has been great, wonderful customer service and a lot of options to save money and get a good value for it is provided by Monzo Reviewed on: 18th January 2024

The best online account by far

The best online account going, have recommended to all my family and friends Reviewed on: 18th January 2024

I love Monzo app and credit

I have a good experience using Monzo app and credit card. I love the fact that I can plan out my payments over different periods, with 3 months no interest. Reviewed on: 18th January 2024

Smart track of spending money

Very supportive and have lots of intuitive features that help keep track of your spending. I also like the new addition of investments. Good cashback offers too. I have nothing to complain so far during my time with Monzo Reviewed on: 18th January 2024

So many well thought out features like Monzo flex, s...

So many well thought out features like Monzo flex, shared tabs, savings, categorising spend, paying and requesting. Everything has been thought out ahead of traditional banks Reviewed on: 18th January 2024

Excellent service provider

Flex was very easy to set up and has worked seamlessly. You get the same exchange rates as your monzo card when travelling abroad, and you can pay it back in instalments or in full without any interest charged. Reviewed on: 18th January 2024

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