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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)

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

Love the flexibility

Absolutely love Monzo Flex, I find it so helpful choosing the payment plans and also have the option for interest free plans. It's so much easier to manage money and there is the flexibility to change plans/pay early if needed. Reviewed on: 18th January 2024

Very easy to use and transparent for the user.

Very easy to use and transparent for the user. Reviewed on: 18th January 2024

Monzo Flex has to be one of the best credit card out...

Monzo Flex has to be one of the best credit card out there today in 2024 so simple and so easy to use. Easy to pay back no hassle no fuss just quick and easy! Reviewed on: 18th January 2024

Good credit card.

Good credit card. Easy to use on the app and see your usage. Reviewed on: 18th January 2024

Seamless experience everytime with MONZO.

Seamless experience everytime with MONZO. I was introduced to MONZO and I have never looked back. Reviewed on: 18th January 2024

Monzo Flex is amazing!

Monzo Flex is amazing! I love how easy it is to use, the app is super user friendly. Pay in 3 is a great way to spread out costs without having to break the bank, for all kinds of purchases. I also love how I can efficiently manage payments, pay earlier, or anything else within the app with absolute ease. Love it! Reviewed on: 18th January 2024

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