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Monzo: Flex Purchase credit card reviews

View other Monzo products
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
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2%
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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
Christopher C's avatar
Christopher C

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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JN
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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)

Very good excelente working .

5
Very good. Excelente very attencion Reviewed on: 18th January 2024
Ruslana Perini 's avatar
Ruslana Perini

Never had a problem with this bank ever and when I h...

5
Never had a problem with this bank ever and when I had a problem with outer sources Monzo helped and dealt with the situation amazingly Reviewed on: 18th January 2024
Raid's avatar
Raid

All is the perfect I like them.

5
All is the perfect i like them. Reviewed on: 18th January 2024
Martinadya S's avatar
Martinadya S

Excellent

5
Good credit card..... Easy repayment. Flexible Reviewed on: 18th January 2024
Bassey N's avatar
Bassey N

Just how banking should be

5
Fantastic app, great customer service, just how banking should be. Always looking forward to the next enhancement from the Labs. Reviewed on: 18th January 2024
J N's avatar
J N

Why Monzo is the best.

5
Monzo are an amazing bank and offer so many great services such as Flex, joint accounts and investing. Flex allows me to spread purchases over multiple years and at a rate which I can select with different interest options, it is tremendously flexible and I love it. Monzo has an amazing app as well that is so easy to use. Reviewed on: 18th January 2024
Ethan C's avatar
Ethan C

Since flex opened i have more freedom

5
Since flex opened i have more freedom at the time of spending money without worrying for tha repayments. Reviewed on: 18th January 2024
AnonymousAE's avatar
AnonymousAE

I would avoid like the plague

1
I felt like Monzo felt is a very easy way to fall into debt. Just because it auto puts everything into 3 monthly payments which adds up. I am very good at managing my money but with Monzo flex I felt I was very very close to slipping into debt because I didn’t think ahead about the payments but they add up. And I honestly feel a lot of other people will think this way too and get into debt problems and make Monzo lots of money but hurt a lot of normal people Reviewed on: 18th January 2024
J baker uk's avatar
J baker uk

It’s simple and convenient.

5
It’s simple and convenient. It’s convenient because you can customise what you want to see in the app and also the interest rate for savings is also great compared to other banks. Reviewed on: 18th January 2024
Rajesh's avatar
Rajesh

Excellent

5
Monzo flex has helped me manage my budget properly and make the most of my income and be flexible with payments Reviewed on: 18th January 2024
Heather D's avatar
Heather D

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