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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)

Excellent features pay in three months competitive i...

Excellent features pay in three months competitive interest rates Reviewed on: 18th January 2024

After switching to Monzo and then being able to use...

After switching to Monzo and then being able to use Monzo flex, i’ve been able to successfully manage debts, whilst having flexibility to enjoy life. Monzo flex and indeed Monzo have helped me feel more in control of my finances. Reviewed on: 18th January 2024

Like the title says flex.

Like the title says flex. The best add on to any bank service Reviewed on: 18th January 2024

low interest rates

Offers 0% interest if you pay within 3 payments, but also interest rate is a lot better then most other cards, the app is great and feels more secure then a traditional lender. Reviewed on: 18th January 2024

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

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