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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)

Great credit card, was very useful in learning how t...

Great credit card, was very useful in learning how to use it, as I had just turned 18 when they became available. The UI of the app for managing flex is brilliant, you can easily see the amount you need to pay, and how much credit you have remaining. Reviewed on: 18th January 2024

Professional and efficient.

Professional and efficient. Every issue I’ve had has always come with professional advice Reviewed on: 18th January 2024

Reinventing the credit card business

Superb. Monzo flex is reinventing the credit card business combined with bnpl Reviewed on: 18th January 2024

Greatest banking service on the market

Great application, great customer service and importantly very modern application Reviewed on: 18th January 2024

It helped me in many ways.

It helped me in many ways. When I was running out of money monzo flex helped me Reviewed on: 18th January 2024

Very easy to deal with, small interest and very easy...

Very easy to deal with, small interest and very easy to see the spending. Reviewed on: 18th January 2024

It's grrrrrrrrrrrrrrreaaaaatttttttttt!

It's grrrrrrrrrrrrrrreaaaaatttttttttt! Reviewed on: 18th January 2024

Useful and problem-free

I've used Flex for over a year now with absolutely no issues. It's great having convenient access to credit, and it's so easy to pay back whenever. Reviewed on: 18th January 2024

I've been using Monzo flex for a few months, as soon...

I've been using Monzo flex for a few months, as soon as they released the credit to me, and it's been an incredible experience, the limit they gave me, the possibility of splitting my purchases, is incredible. Reviewed on: 18th January 2024

Great All Round Expirience

The app makes it increadably easy to manage spending and see how much upcoming payments are and pay early in one or two simple clicks. The fact it's built into the same app as the current account means I'm not having to switch between bank apps to manage finances and it's all in one centralised place. Reviewed on: 18th January 2024

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