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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

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

Hugely helpful for first time buyers

As someone that got into the housing ladder last year, Monzo flex has allowed me to help spread the cost of some big essentials to my new home. The ability to pay it early, spread the cost over 3 months and longer has been a big help to managing the transition from rented to home owners. Reviewed on: 18th January 2024

Great service. Great for building your credit

Great service. Quite easy to navigate. comes in handy with building credit. Reviewed on: 18th January 2024

Brilliant, can not fault the service

Brilliant, can not fault the service Reviewed on: 18th January 2024

Very good bank providing good services.

Very good bank providing good services. Reviewed on: 18th January 2024

I love monzo

I love monzo. I've recently moved from Australia and don't have a lot of credit history built up. I couldn't get a credit card with a traditional bank so when I learnt about monzo flex it was very welcome. However after using it I think it's better than any credit card I've used. Being able to pay off big purchases over three months with no interest really makes it easy to book holidays in advance and pay it off when my salary comes in. I told my partner about it and now they use it as well. It's a great product. Reviewed on: 18th January 2024

Monzo flex is very customer-focused.

It’s very clear that the team behind Monzo Flex got together and thought very hard about what customers actually want from a credit card. Monzo flex is customer focused, very easy to use, and the three 0% instalments feature makes it, in my view, the best credit card out there (even including those that offer cashback) Reviewed on: 18th January 2024

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