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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)

Simply excellent

The best thing about Monzo is the app- so easy to use, personalised and it updates straight away. It is very important to me to see immediately where the money is going. I also enjoy using the joined account and the ease of moving money around. Not to mention the international use of the card! Just the best Reviewed on: 18th January 2024

So easy to use - simply Flex a payment, and choose h...

So easy to use - simply Flex a payment, and choose how long a credit period you would like. You can adjust this later, pay it off early, etc. Reviewed on: 18th January 2024

Flex it!

Great how you can flex payments originally made on a debit card. Reviewed on: 18th January 2024

Best UK bank, period.

I started with Monzo in its beta, and I never went back. Its ease of use, amazing budgeting tools, and great customer service simply puts it above and beyond every other bank I ever had. Reviewed on: 18th January 2024

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

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