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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2883 reviews)

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4.97

Based on 2,883 reviews, last reviewed 11th Feb 2026

37000% 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

Best bank ever Monzo is like the intelligent child you praise all the time. In a world full of inefficiency, Monzo is ahead of the game and shows what being on top o... Read more 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 (2883)

I have recommended Monzo to all my friends and I act...

I have recommended Monzo to all my friends and I actually moved my savings, salary and direct debit to monzo for the ease of use, security and excellent support 24/7. What i love about flex is the ability to spread emergency costs easily without breaking the bank or paying excess fees. Reviewed on: 9th February 2026

Solid app, customer service, fin insights!

Solid app, good customer service. Brilliant notifications in advance. Very flexible app with loads of insights Reviewed on: 9th February 2026

Monzo is the best bank around.

Monzo is the best bank around. It’s easy to use and has lots of great benefits. Monzo flex is great, it helps you get the things you want and pay off over time or earlier, and even pay off more as and when you can if you want too. I would never swap banks, I will always bank with Monzo as they are 100% Brilliant!! Reviewed on: 9th February 2026

Monzo flex is SO useful.

Monzo flex is SO useful. I’m able to split payments across 3 or more months deleting on my need. If I want to spread a cost or delay a cost for another month it’s super useful. It helps me be a little more flexible with my budget. I’m able to pay off the amount I owe early if I can afford it or change the amount of repayments I make. Reviewed on: 9th February 2026

Best Bank I have ever seen and good services.

Best Bank I have ever seen and good services. Reviewed on: 9th February 2026

Very customer focused, very responsive and easy to use.

Very customer focused, very responsive and easy to use. Lots of great features and very transparent with interest and fees so you do not get caught out. Always adding perks and extra features such as bank transfer, cash with drawls and giving the option of 0% installments. Reviewed on: 9th February 2026

Possibly the perfect credit card

I love that I have so much control over purchases and payments, and the app makes everything so easy to do. The interest rates are excellent too. Best decision I’ve made for my finances was fully converting to Monzo Reviewed on: 9th February 2026

Control, convenience and a bank on your side

The level of control and convenience is unparalleled. Finally a bank that feels like it’s on your side and not trying to make money out of you Reviewed on: 9th February 2026

It’s better than HSBC.

It’s better than HSBC. It’s much easier to use in app than a HSBC credit card. It is great to have the open to add payments to the card as flex payments later. Reviewed on: 9th February 2026

Great card with amazing flexibility, no pun intended

Great card with amazing flexibility, no pun intended Reviewed on: 9th February 2026

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