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Monzo: Flex Purchase credit card reviews

View other Monzo products
4.97
Based on 3,086 reviews, last reviewed 27th Mar 2026
57000% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
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Latest highest rating:

5

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 2026
Hugo Marfani's avatar
Hugo Marfani

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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JN
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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 (3086)

Flex by name, flex by nature.

5
Flex by name, flex by nature. More than just a credit card or buy now pay later facility. I use it regularly when I'm buying things out of the ordinary. Usually pay off next month or within 3 Reviewed on: 15th January 2024
Chris Rimell's avatar
Chris Rimell

Great payment plan

5
Easier credit provision and payment plan comparedto others Reviewed on: 14th January 2024
Ruth A's avatar
Ruth A

Monzo flex is easy to use, and provides smart visual...

5
Monzo flex is easy to use, and provides smart visuals on your limits, how much you’ve already spent, and offers a centralised hub for all of our short tame borrowing. I like the credit limits are easy to review, and the application process to get Monzo Flex is both straightforward and quickly approved. Reviewed on: 14th January 2024
Calum S's avatar
Calum S

Monzo Flex helps me to manage my finance.

5
Monzo Flex helps me to manage my finance. It gave me complete control and flexibility over my spending. Reviewed on: 13th January 2024
Bukola K's avatar
Bukola K

Best Bank

5
Best Bank ever I have seen. They understand customers needs Reviewed on: 13th January 2024
Mayank S's avatar
Mayank S

Flex changed my attitude to credit cards

5
I had a credit card for years as a student but could count on one hand the number of times I used it. I didn't understand the rules and was scared of the fees I might accidentally incur. Monzo changed all that. Flex allows you to pay via a card or choose Flex via the app after you've paid on debit. The payment options are simple and well explained. The auto payment means it's hard to miss a repayment deadline. It's great! Completely demystified credit cards for me. Reviewed on: 13th January 2024
Tom's avatar
Tom

Best credit card service.

5
Best credit card service. Monzo is the best Reviewed on: 13th January 2024
Tung's avatar
Tung

Monzo Flex has been brilliant and I love the virtual...

5
Monzo Flex has been brilliant and I love the virtual cards too Reviewed on: 13th January 2024
Eileen B's avatar
Eileen B

It is a life saver to run monthly expenses

5
It is a life saver to run monthly expenses Reviewed on: 12th January 2024
K's avatar
K

Flex is the best.

5
Flex is the best. Very generous funsing term. Reviewed on: 12th January 2024
Souf's avatar
Souf

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