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Monzo: Flex Purchase credit card reviews

View other Monzo products
4.97
Based on 3,086 reviews, last reviewed 27th Mar 2026
57000% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
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98%
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2%
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Latest highest rating:

5

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 2026
Hugo Marfani's avatar
Hugo Marfani

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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JN
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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 (3086)

Excellent

5
The features offering different payment plans are brilliant never pay any interest if you choose not too Reviewed on: 18th January 2024
Happy customer 's avatar
Happy customer

10/10, recommended to many friends

5
I’ve been using Monzo since 2016, before it was a properly registered bank. I’ve encouraged numerous friends and family to open accounts, even though I don’t think I’ve claimed a single referral bonus! Monzo Flex is just the cherry on top; the system is so easy to use, and it makes my life so much easier. The interest-free payments, including delaying a single payment to the start of the next month (after payday) is invaluable! Reviewed on: 18th January 2024
Matt J's avatar
Matt J

Monzo is the best Credit Card experience out there!

5
Monzo is the best Credit Card experience out there! Not only with their competitive APR but also it’s so simple that I don’t have to worry about anything. If I buy something now or in the last two weeks I can always Flex it. Paying in 3 instalments for free? Yes! I’m in control and can easily manage my plans! Reviewed on: 18th January 2024
Mat D's avatar
Mat D

I love the flexibility and simplicity.

5
I love the flexibility and simplicity. Flex is a great product Reviewed on: 18th January 2024
CC's avatar
CC

Really easy to use and great service

5
Really easy to use and great service Reviewed on: 18th January 2024
Matthew B's avatar
Matthew B

I love using my monzo flex, it’s easy quick and come...

5
I love using my monzo flex, it’s easy quick and comes in handy. Would recommend to everyone I know. Reviewed on: 18th January 2024
Rashida 's avatar
Rashida

Excellent

5
Excellent service and extremely flexible Reviewed on: 18th January 2024
Joe's avatar
Joe

Flex has been a really good alternative to credit ca...

5
Flex has been a really good alternative to credit card use for me and helps me to keep a better track of my spending. Splitting over 3 months makes me think more about affordability of my purchases, and payments themselves are clear and easy to manage. Reviewed on: 18th January 2024
Tom's avatar
Tom

Has given me the opportunity to make my money go fur...

5
Has given me the opportunity to make my money go further and last minute issues. Reviewed on: 18th January 2024
David t's avatar
David t

Hugely helpful service with very easy to use app!

5
Hugely helpful service with very easy to use app! I love the freedom it gives me to manage my money better & have an emergency back up that is affordable & easy to manage! It’s super similar to break payments down more or pay off extra to reduce interest (plenty of interest free options too!) Reviewed on: 18th January 2024
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Panda P

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