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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)

I have been with a high street bank for 27 years and...

I have been with a high street bank for 27 years and tbh Monzo offer excellent services mainly their flex to which I have recommend friends to get an account and flex card as it sooooo good Reviewed on: 18th January 2024

Very easy to use, integrates well with Apple Pay

Very easy to use, integrates well with Apple Pay Reviewed on: 18th January 2024

I enjoy the flexibility of Monzo flex, and really li...

I enjoy the flexibility of Monzo flex, and really like the ability to flex past purchases. The payment plans are very straight forward and simple to use. Reviewed on: 18th January 2024

I have used this for over a year now.

I have used this for over a year now. Great options for payment up to 24 months and can alter at any point with a fair interest rate Reviewed on: 18th January 2024

It’s so easy with MONZO.

It’s so easy with MONZO. Love it ! Reviewed on: 18th January 2024

I love the speed and simplicity of the app, and the...

I love the speed and simplicity of the app, and the flex account. I use a professional account too and it’s straight forward simple , invoicing and creating saving pots is a breeze. Reviewed on: 18th January 2024

Monzo has made banking so easy and I actually enjoy it!

Monzo has made banking so easy and I actually enjoy it! Reviewed on: 18th January 2024

Simplified UX - love it.

Simplified UX - love it. Transparent, accessible and easy to navigate. Reviewed on: 18th January 2024

Super easy, 0% interest

Super easy, 0% interest and no hidden fees. Effectively a 3 month loan so can use it move financial goals up by 3 months. No frills, works well. Reviewed on: 18th January 2024

I love using my Monzo Flex..

I love using my Monzo Flex alongside my Monzo bank account. I find that I can manage and stay ahead of my payments. I am able to view my charges on my longer term payments, (I have the choice of paying in 1, 3,6, 12 and 24 monthly payments. I can also pay early and save on any charges (where applicable). It's easy and straight forward to use the Monzo Flex account. Reviewed on: 18th January 2024

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