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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2516 reviews)

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4.95

Based on 2,516 reviews, last reviewed 23rd Jan 2026

500% 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

Incredibly useful and flexible interest free facility. Incredibly useful and flexible interest free facility. Easy to manage and use. Reviewed on: 23rd January 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 (2516)

I love flex

Amazing product that helps me budget and stay in control, by Klarna. Reviewed on: 2nd March 2023

The future of banking

Monzo is a fenomenal contender that exceeds all my needs. Reviewed on: 1st March 2023

amazing, flexible and quick

Is very easy tool to work with. Easy to access and make me trust in Monzo more Reviewed on: 28th February 2023

Amazing product!

Amazing financial product! Helps me spread the cost across 3 months with no interest! Love Monzo! Reviewed on: 26th February 2023

Best one out there

Best credit card out there. Highly recommended! Reviewed on: 25th February 2023

Excellent Benefit

The way providing to use the flex amount is excellent and very helpful. Reviewed on: 24th February 2023

Credit Card Alternative

Such a fantastic feature - BNPL Credit Card style! Love how Monzo are giving us great features all in the same banking app! Thanks Monzo, your the best challenger bank out there!!! Reviewed on: 24th February 2023

No waiting times

When I flex something, I don’t have to wait for it to appear on my bank statement, if I pay it off, I don’t have to wait 5 working days for it to “clear”. With flex I get instant gratification that it’s paid off. Also, they now have 3 month interest fee payments, and pay in full on next payment date, which combined with Flex being combined with my main bank account, it means it may all finally all be in one place! Monzo Flex also recently protected me with a section 75 claim on a faulty product, and customer services were fair and detailed. Reviewed on: 23rd February 2023

Best flex credit card ever

Simple to use, easy to manage your bills, and to pair with the Monzo app is just the best product by far in the UK market! Reviewed on: 23rd February 2023

Game changer

Great product, so useful. It’s changed how I budget and use credit, thank you Reviewed on: 23rd February 2023

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