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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)

Flex is the new Card in a living crisis

The flex card has helped to support my finances and the ability to break down into payments that’s affordable over a flexible time period. Reviewed on: 23rd February 2023

Flex Fantastic

The introduction and finer tweaking of Monzo Flex means I have a product that I’ve already used three times since launch! Looking forward to more innovation! Reviewed on: 23rd February 2023

Love my Flex

Congratulations to Monzo for launching Flex! a truly innovative consumer lending solution. Flex has gone form strength to strength, increasing credit limits, allowing more time to make your first payment and providing physical cards as well as virtual. and the physical card is marvellous! Monzo is a truly responsible lender and sets the bar for BNPL products Reviewed on: 23rd February 2023

Flex is very useful

I like having the "flexibility" of flex in my banking app. It's always easy to understand and quick to load. Just got a physical card which pretty much makes it my credit card replacement now as well. Reviewed on: 23rd February 2023

Innovative modern credit for people

What's not to love about Monzo Flex? Not only is it super easy to use as a product, ots extremely transparent about costs when choosing how long to spread purchases for. It's continued to evolve since launch showing how the team at monzo listen to customers and I can't recommend it enough! Reviewed on: 23rd February 2023

I love Flex

It gives you "Klarna" benefits but for any purchase you want. Very intuitive, easy to use and transparent. Reviewed on: 22nd February 2023

I find it amazing that this has never been done before

I’ve never had a ‘loan’ product work so seamlessly with a current account. It’s so simple, no hassle, really well designed bit of the app. Just the idea of being to spend money and then retrospectively ‘Flex it’ is insanely simple, but so handy! Reviewed on: 19th February 2023

Flex needs some improvements

Monzo Flex is a good product but some things need improving. I'm stuck on a low credit limit and have had 0 communication on how to improve. You can't set a default action for 'Flexed' items when paying with the card - you always have to do this after the purchase. Also, you can't change the payment date. Reviewed on: 17th February 2023

Really handy add on!

Flex is perfect for helping to spread the cost, especially the two 6 month flex options offered at the beginning! Reviewed on: 16th February 2023

Simplistic, intuitive and reliable

Excellent financial visibility, control and management. Fantastic ease of use and makes the conventional banks look like dinosaurs with complex and outdated UI. Reviewed on: 16th February 2023

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