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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)

Monzo, a lifesaver!

Monzo has been a lifesaver, very clear finances, great customer service and intuitive app! The flex option is excellent, by far the best credit option I've ever used! I closed my other life long account to go Monzo full time :) Reviewed on: 18th January 2024

Good experience

For me Monzo is bank where you have Objectivity, speed and constant innovation and all aspects. Good experience all the time. Reviewed on: 18th January 2024

Been using monzo and monzo flex for about a year now...

Been using monzo and monzo flex for about a year now and found both easy and good to use Reviewed on: 18th January 2024

Absolutely amazing experience, easy to use always he...

Absolutely amazing experience, easy to use always helpful Reviewed on: 18th January 2024

Monzo flex is so good.

Monzo flex is so good. You know what you’re spending and can make it interest free over 3 payments which is amazing Reviewed on: 18th January 2024

Only had to phone one and it didn’t give me joy - cu...

Only had to phone one and it didn’t give me joy - customer service was abit surly but despite that I LOVE this bank and its products Reviewed on: 18th January 2024

So easy to manage payments with Flex

Flex (after the monthly payment) allows you to pay specific things off whenever you like, this approach makes everything so much easier to manage rather than the traditional statement. Reviewed on: 18th January 2024

Brilliant service

Their app is brilliant! Flex service is amazing. You can pay early, change payment date or even extend if necessary. It’s a great service. I’ve even convinced my friends to switch Reviewed on: 18th January 2024

Puts you in control

Monzo Flex is dynamic, open to changes in your circumstances and keeps you in control of your money and your spending in every step of the way. I like how easy it is to pay and overpay and have the view on one easy phone screen. Reviewed on: 18th January 2024

There's no better alternative

Monzo has changed my financing. The pots, the investments, savings and money management have made my financials a breeze. It's so easy to set aside your monthly bills, set savings goals and even track your mortgage progress all within the app. It seems that Monzo have no limit to their creativity and new features are being released all the time. 10/10, I recommend to all my friends and family. Reviewed on: 18th January 2024

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