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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)

Since flex opened i have more freedom

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

I would avoid like the plague

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

It’s simple and convenient.

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

Excellent

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

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

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