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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

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

Helped alot and friendly

Very helpful staff and helped me when I was in need a couple of months ago with extending a payment period back. Reviewed on: 18th January 2024

Never had a problem, everything super easy

Never had a problem, everything super easy Reviewed on: 18th January 2024

Good beginners card

It’s easy to use and very simple to understand and the option on the app are very simple and extremely explanatory in how it all work. In my opinion it’s a good credit card for beginners to learn Reviewed on: 18th January 2024

Monzo WAS my side bank

I started using Monzo on the side many years ago behind my traditional banks back and it quickly became my bank of choice. The instant notification of my money activity and transaction history visible from the second I spend money was unheard of. I have loved them ever since. Reviewed on: 18th January 2024

Everything perfect!

Everything perfect, all systems work great, fast and easy to use. Reviewed on: 18th January 2024

Monzo customer service has always been great.

Monzo customer service has always been great. Any questions or issues I’ve needed help with they’ve always been super quick at responding to my queries. They’re so friendly as well they make you feel comfortable with whatever questions that you ask. Reviewed on: 18th January 2024

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