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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

54% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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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Monzo Flex Purchase credit card reviews (3174)

Innovative and exactly what I need

Flexible zero % options over 3 months and variable terms all controlled by an app. Reviewed on: 18th January 2024

It’s a game changer for the consumer.

It’s a game changer for the consumer. Way more user friendly than other providers. Reviewed on: 18th January 2024

What a win!

Monzo Flex is the easiest way for credit card transactions I’ve used! Flexible and really clear in terms of repayments, it makes me feel really in control of my finances. Reviewed on: 18th January 2024

Nice online banking ,so fast and helpful

Nice online banking ,so fast and helpful Reviewed on: 18th January 2024

Very good so far.

Very good so far. The app is very easy to use and simple. The rates for savings are competitive within the banking sector. Also the option to invest has been a great addition lately. Overall my experience has been good and I use monzo to keep tabs on finances across all my accounts a functionality a lot of providers offer but I prefer monzos as it is rather intuitive for the user. Reviewed on: 18th January 2024

Best credit card never had any issues.

Best credit card never had any issues. Reviewed on: 18th January 2024

Excellent features pay in three months competitive i...

Excellent features pay in three months competitive interest rates Reviewed on: 18th January 2024

After switching to Monzo and then being able to use...

After switching to Monzo and then being able to use Monzo flex, i’ve been able to successfully manage debts, whilst having flexibility to enjoy life. Monzo flex and indeed Monzo have helped me feel more in control of my finances. Reviewed on: 18th January 2024

Like the title says flex.

Like the title says flex. The best add on to any bank service Reviewed on: 18th January 2024

low interest rates

Offers 0% interest if you pay within 3 payments, but also interest rate is a lot better then most other cards, the app is great and feels more secure then a traditional lender. Reviewed on: 18th January 2024

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