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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)

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

Flex is great BNPL / credit card alternative

I have been an advocate for Monzo since joining in 2017 and always look forward to new ways they push for improvements in banking. Flex is great way to handle your finances and is really transparent and flexible when spending. I will replace this with my current credit card and be confident Flex will make waves! Reviewed on: 23rd February 2023

Easy, quick, simple to understand

Flex gives me that option to spread payment out, even haircuts. I can pay for a haircut in 3 monthly fee-free instalment. Crazy helpful! Reviewed on: 23rd February 2023

Love Monzo

A friendly bank, genuinely doing new things with bank accounts and adding new features like flex which is like a better credit card. Reviewed on: 23rd February 2023

Innovative Banking Brand

Love Monzo and the constant improvements and iterations that they seem to release at lightning speeds compared to the legacy banks. Products such as Flex are revolutionary and much more flexible than traditional banks credit cards etc. Long live Monzo and keep it Hot Coral Reviewed on: 23rd February 2023

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