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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, bank of the year! Again!

Monzo Flex is extremely reliable abd easy to use. There are customiseable features for Flex, and the range of settings and information os really good. Really customiseable and the Monzo team are always open to review and take feedback. This is really helpful! Reviewed on: 18th January 2024

Best bank

Best bank and good customer service Reviewed on: 18th January 2024

Flex it baby

Easy to use. Convenient. Pay early , good credit limit increases . Option to pay over longer for bigger purchases Reviewed on: 18th January 2024

Fantastic all the way

Monzo has been fantastic all the way. Never had any issues using the app and when I need help it’s at a press of a button Reviewed on: 18th January 2024

Monzo Flex is an easy to use and easy to manage card.

Monzo Flex is an easy to use and easy to manage card from a bank that has always provided great customer service. It's really easy to manage payments within the app, whether you want to pay more, less, or even all of the outstanding amount, it can be done in a few seconds and a few taps. It's also really clear to see what payments are due for any given upcoming month, helping to manage your finances. Reviewed on: 18th January 2024

My favourite banking app.

I’ve used Monzo for a while now & it is the easiest banking app I’ve used. It’s clear and simple and everything is easy to find. On occasion when I’ve needed advice their customer service has responded quickly and solved my issue appropriately. I love the change pot rounding up too. It was quick to set up but yet it feels secure. Reviewed on: 18th January 2024

The best

I really like having a lot more authorisation notifications for transactions as I know my card is really secure. I’ve had a loan and an overdraft via Monza with no issues what so ever and are really flexible in selecting how much you want etc and having Monzo flex is also an amazing feature as I think things like Klarna and clear pay it’s hard to see the amount you’ve actually spent and being able to spread the cost further especially on bigger purchases is amazing ie car repairs and the interest rate for me is low. I pay £5 to be able to see other accounts on the app which is extremely helpful and the round up pots is a great way for me to save up money. Reviewed on: 18th January 2024

Fast easy and manageable.

Fast easy and manageable. Very straight forward to view and manage Reviewed on: 18th January 2024

3 months interest free

Great short term borrowing option Reviewed on: 18th January 2024

Best Credit Card

Monzo flex is my first credit card and I was a bit afraid about user experience. I was pleasantly surprised about the ease of use and how you can easily manage payments on a monthly and 3 months basis. The best part of it is how you can flex a payment that you have already made as long as it’s within two weeks. Reviewed on: 18th January 2024

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