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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2881 reviews)

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4.97

Based on 2,881 reviews, last reviewed 11th Feb 2026

36800% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Flexibility of flex is incredible. Flexibility of flex is incredible. Reviewed on: 11th February 2026

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 (2881)

I love Monzo

Best bank out there. So easy to use and manage my money. Reviewed on: 24th March 2023

Flex has been a game-changer for someone with very little knowledge of credit products

I recently moved to the UK from Ireland and had very little knowledge of credit. Buy now pay later products have received a bad reputation, so I wanted to avoid them at all costs. Monzo's flex was a great in-app choice I could use casually to decide when I would like to spread the cost over a couple of months with the security of knowing it will be automatically paid from my bank on a specified date. I will continue to use the product and future releases. Reviewed on: 24th March 2023

the ONLY way to buy an iphone

Surely everyone will buy phones using this product. Flex is great. Love how simple it is. well done Monzo! you converted me! Reviewed on: 23rd March 2023

Like a credit card but easier

Great alternative to a credit card or klarna Reviewed on: 21st March 2023

A breath of flex air

Monzo flex has allowed me to transform my credit score and given me movement where moneys been tight. Their 3 month no interest option is one of the best features and bank is currently offering! Only improvement monzo could make is interest rates Reviewed on: 19th March 2023

It's only ever been monzo!

The love I have for this bank is unexplainable I have recommended monzo to so many People week after week, getting paid early, the pots, flex, save the change, savings, it goes on I will never ever return to a ' high Street' bank again, monzo literally changed my life my finances and my mission is to get everyone I know using full monzo!! Reviewed on: 18th March 2023

Easy way to spread the cost

Flex is an easy way for me to spread the cost of larger transactions interest free for 3months. The integration with the rest of the app is superb. Reviewed on: 18th March 2023

Easiest bank

Monzo is simply the best and easiest bank to have. All features are super easy and helpful, woth monzo flex being amazing Reviewed on: 16th March 2023

Made a difference to my finances

The Flex has helped me get rid of all my credit cards. I never have to get in touch with anyone because I can do everything I need straight in the app, on the go. Flex has helped me improve my budgeting and spend more wisely. Excellent service. I highly recommend. Reviewed on: 16th March 2023

Better than any other credit card!

Monzo Flex is amazing…. It not only allows you to pay off quicker with its 3 months interest fee option, it’s also interest fee!!! I adore it! Reviewed on: 16th March 2023

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