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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)

I love that it is versatile and very easy to use.

I love that it is versatile and very easy to use. Reviewed on: 18th January 2024

Do everything simply and well

They are easy to contact, come back fast with answers. The newer products are nice such as flex and investments. The system works well between accounts too. We have a business, personal and joint account Reviewed on: 18th January 2024

Interface is Easy to use.

Interface is Easy to use. All required information is easy to find and understandable. Reviewed on: 18th January 2024

Truly Flex-ible!

Monzo Flex has genuinely been a dream come true in credit card form. As someone who was very wary of getting a credit card or services that offered payments in installments, I approached it with caution at first, but I've been using it for 7+ Months now and found it very helpful. I love how easy it is to see how much needs to be paid each month and also the flexibility of making a payment early or paying off additional monies on a single transaction at an earlier date. Monzo Flex truly is flexible and transparent, I have found it very easy to use. I would personally recommend Monzo Flex to anyone. Reviewed on: 18th January 2024

Customer Service extraordinaire

The turn-around-time for Monzo Customer service is the best I have ever experienced and they are quick to resolve customer concerns. Reviewed on: 18th January 2024

Quick response to queries, rapid action, high intere...

Quick response to queries, rapid action, high interest rate on savings pot, amazing interface on app. I started using Monzo as my second account however I loved using monzo and now it's my main account. I would definitely recommend Monzo. Reviewed on: 18th January 2024

Monzo is an excellent bank, to bank with it helps me...

Monzo is an excellent bank, to bank with it helps me to stay on track with my finances and allows me to see how much I need to pay every month on flex. Reviewed on: 18th January 2024

Monzo flex is very reliable and comes as a help in t...

Monzo flex is very reliable and comes as a help in time of need and lack. Reviewed on: 18th January 2024

Monzo is the most wonderful bank in the UK

My experience about using monzo is wonderful and beyond my expectations. Reviewed on: 18th January 2024

Monzo flex is simple and useful

Monzo flex is easy to use, it allows me freedom to choose the length of time I want for repayment. It also allows me to flex something up to 2 weeks after purchase which can be useful if an unexpected bill comes in. All the rates and information are available every step so you know what you're getting. Reviewed on: 18th January 2024

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