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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)

Best Banking app by far

Loved my savings, debit transactions, credit card of choice and overall best experience Reviewed on: 3rd March 2023

Monzo Flex is so much clearer

Finally, a credit product which is easy to understand, up front about fees, and clear. Reviewed on: 3rd March 2023

I believe this is the one and only true BNPL.

BNPL is getting traction a lot nowadays amid inflation. The only topmost reason among many I use Monzo flex is its true to its nature ie the first installment is not due at the time of purchase but at the end of the month. This means you don't have to fork out the first installment right at the time. I don't think I know other BNPL options that does this. Huge thumbs up to the Monzo flex team for this feature. Reviewed on: 3rd March 2023

Couldn't be simpler or more useful

Flexing any payment is a breeze even if you don't use the dedicated card number they give you for it. Having the choice to pay early in part or in full really helps with variable income. It's always clear how much you owe and how much your next installment is. They even gave the option for a couple of longer term options, still interest free. Reviewed on: 3rd March 2023

Easy as pie

Super helpful to quickly and easily flex a payment, interest rates and full cost is clear up front and it couldn't be simpler to use the card both online and in store! Reviewed on: 3rd March 2023

Easy flex

This is an amazing feature, made even better now you don't need to cover the first payment. Quick and easy and can see everything in the app so you know where you are. Reviewed on: 3rd March 2023

Brillant simple and effective product

What more can I say the product is faultless so simple to use, flexible and provides everything I need! Reviewed on: 3rd March 2023

10/10 would recommend

I love using Monzo everyday. Helps me keep track of my bills and savings too! Reviewed on: 3rd March 2023

Really good and easy

A really good, easy, and transparent system that feels honest. Reviewed on: 3rd March 2023

Best bank

Good experience with monzo bank Reviewed on: 3rd March 2023

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