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Monzo: Flex Purchase credit card reviews

View other Monzo products
4.96
Based on 2,841 reviews, last reviewed 10th Feb 2026
32800% increase in 5 star reviews
in the past 90 days
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Latest highest rating:

5

A true flexible friend It’s great be able to spread the cost of purchases over £100 over 3 interest-free payments. For larger purchases what you pay is clearly detailed and ... Read more Reviewed on: 10th February 2026
Juli's avatar
Juli

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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Zack
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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 (2841)

User-friendly experience by using a flexible banking app

5
The flex instalment is so flexible by just a few clicks over the Monzo banking app. The client can immediately choose to do the instalments in the banking app just right after the purchase transaction was made. Reviewed on: 9th March 2023
Andy Chan's avatar
Andy Chan

Fantastic service

5
Excellent product that allows you to break the cost of your purchase over 3, 6 or 12 months Reviewed on: 9th March 2023
Mr Zed's avatar
Mr Zed

Best way to manage money

5
I love how the way Flex updates balances instantly Reviewed on: 9th March 2023
firstname lastname's avatar
firstname lastname

Great options for purchases

5
I really like being able to choose 0% or to pay interest on anything and having a fixed time to repay feels so much safer when spending. Looking forward to having a higher limit so I can get rid of my other credit card. Reviewed on: 9th March 2023
adamadamadam's avatar
adamadamadam

Great feature

5
Great alternative for credit card. Reviewed on: 8th March 2023
Dina's avatar
Dina

Brilliant idea

5
A brilliant idea who ever thought of this Monzo flex is so easy to do it really helps you out in money matters if you need to spend it on something else and you don’t have the money that’s when Monzo flex comes in just brilliant Reviewed on: 7th March 2023
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[email protected]

Interest free is gold opportunity

5
I have been using flex for nearly one year it’s really good that you can used flex for 3 months without interest. And December they gave 6 month interest free instalment that was really good for Christmas shopping so I recommend Monzo to every one as no other bank give this opportunity Reviewed on: 7th March 2023
Nalin's avatar
Nalin

Best Bank Ever

5
Monzo is the best bank I have ever used. It’s simple, customer friendly & always offering new pioneering services. Thank you Monzo Reviewed on: 6th March 2023
Fiona Sennett's avatar
Fiona Sennett

Simple to use

5
Far more flexible than others, directly linked to your bank account. Clear credit line rather than guessing like the pink company. Reports to credit file to build history. Reviewed on: 6th March 2023
Scott Turner's avatar
Scott Turner

Fast, easy and transparent

5
Monzo makes splitting bills and making payments easy but what I really love is their commitment to not using any confusing language which makes banking with them more accessible Reviewed on: 6th March 2023
Atanas Komsiyski's avatar
Atanas Komsiyski

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