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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2513 reviews)

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4.95

Based on 2,513 reviews, last reviewed 10th Sep 2025

98% 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

Good Company I am determined to share this information with the public to help other scam victims. Special thanks to BsbForensic. com for their outstanding work in... Read more Reviewed on: 10th 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 (2513)

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 Fantastic ease of use and makes the conventional banks look like dinosaurs with complex and outdated UI.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

Scared of predatory credit. This is different.

I started using Monzo Flex out of curiosity. Had a very low limit to start. In the past I’ve had problems with predatory credit products that’s seemed designed to pile on the fees. This product feels like a healthy use of small amounts of credit that help me budget and saves me money when I buy big ticket items on sale. Keeping up on my payments is really easy. And I actually enjoy making small extra payments because it makes me feel accomplished. Great job Monzo! Reviewed on: 16th February 2023

Flex is amazing

Flex is truly an amazing product from monzo, and the ways its being improved truly Im loving it even more. Monzo has been listening to its customers and some of the latest improvements made this an even more desirable product. This is another reason and product I recommend Monzo/Flex to all my friends and family. Reviewed on: 16th February 2023

Next level banking

Great product, customer focused, a superb service to allow payments to be spread over a period interest free. Reviewed on: 16th February 2023

No need to think about Credit card issues

I've always been annoyed by other credit card providers and how they don't allow for multiple month instalments. With Flex, this is now possible and can be done with 0% interest upto 3 months Reviewed on: 16th February 2023

A great er, flexible product with the Monzo flair

Flexing anything from two weeks prior is amazing, helps in those tricky end of month moments. Also the Flex virtual card that you can use practically anywhere is excellent. Reviewed on: 16th February 2023

Credit card with flexible payments

Being able to split any purchase with 0% over 3 months is great. Not worried about any surprise bills / purchases Reviewed on: 15th February 2023

Flex is the best BNPL

Flex is the best BNPL it is the most responsible BNPL out there Reviewed on: 15th February 2023

Flex is the best BNPL service

Monzo offers the best BNPL service Reviewed on: 15th February 2023

Changed my relationship with borrowing for the better!

Monzo Flex is wonderfully designed and has made the cost of borrowing much clearer than traditional credit cards. I also know exactly how long it will take me to repay what is outstanding and this has made it so I borrow more responsibly. It's flexibility is unbeaten with me being able to pay overtime for past purchases as well as new and I have found the ability to overpay and know how much interest I will be saving to be immensely helpful and encouraging sensible use of credit unlike other cards. A game changer! Reviewed on: 15th February 2023

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