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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2512 reviews)

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4.95

Based on 2,512 reviews, last reviewed 5th Sep 2025

96% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I've been using Flex for years! I've been using Flex for years and it's an absolute lifesaver. The interface is so easy to use and straightforward and the service from the team is br... Read more Reviewed on: 5th September 2025

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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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 (2512)

A modern bank where everything is clear

An outstanding company that have always done the best with my money, and continues to innovate to provide new features. The Flex feature is easy to use and everything is clear Reviewed on: 3rd March 2023

Easy, straightforward budgeting

Absolutely love Monzo, but particularly Flex. It’s easy to use, simple to understand and means I can control how/when I use and repay anything I’ve flexed. Reviewed on: 3rd March 2023

Simple, Intuitive Design

The flex feature is laid out as if a person using it has actually designed it. No jargon, just simple and easy to use. Reviewed on: 3rd March 2023

So glad I found Monzo

I've been with Monzo since 2018 and have loved every minute of it. The app has amazing features and customer service. It's my go-to for budgeting and lets me have fun with banking! Reviewed on: 3rd March 2023

It is a very good bank that is worth having, and it also provides many benefits for its customers.

It is a very good bank that is worth having, and it also provides many benefits for its customers. Reviewed on: 3rd March 2023

Best bank in the UK

Monzo is amazing. The products they are perfect and so clear and easy to understand. It makes managing money so easy. Reviewed on: 3rd March 2023

Amazing for managing money

Monzo flex is a great tool that allows me to split large purchases into smaller monthly payments and without any interest added on a 3 month term! Always great for doing shopping right before payday or when your in a pinch. Reviewed on: 3rd March 2023

Monzo flex is great

Really works like I want it to work, unlike most other banking products I’ve used Reviewed on: 3rd March 2023

Best BNPL bank

Since I have been using Monzo flex it has made my life a lot easier Reviewed on: 3rd March 2023

Great service with innovative app features

The app makes it easy to see my account summary and lets me see my upcoming payments, adjust my payment amounts, pay off extra or settle payment plans immediately with an intuitive interface. Other accounts I have make this a lot harder with instalment plans (especially barclaycard) Reviewed on: 3rd March 2023

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