Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2908 reviews)

View other Monzo products

4.97

Based on 2,908 reviews, last reviewed 11th Feb 2026

39500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Easy and flexible payment options with no hassle. Easy and flexible payment options with no hassle. Especially with buying a house recently it’s been invaluable to us to manage savings and spending. Reviewed on: 11th February 2026

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

Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Purchase credit card reviews (2908)

Simple and efficient yet powerful

It's modern banking with a convenient ever-evolving app, helpful (or it used to be, at least) support, convenient features, and transparent rates. and Flex replaced my credit cards completely. Reviewed on: 6th March 2023

Greatest bank ever!

This bank has been a massive breath of fresh and helped me to manage my finances in a whole new light! Reviewed on: 5th March 2023

Lovo! Love! Love!

So much better and more flexible than a credit card for spreading the cost of large purchases with 0% interest. Love being able to pay in 3 and being able to retrospectively flex purchases to free up cash leading up to the end of the month is very handy. Thanks Monzo! Reviewed on: 5th March 2023

Fantastic Service

The flex account system with Monzo has really put me in control of my lending and budgeting. I can spread the cost of a purchase over 3, 6, 9, or even 12 months! I can make extra payments that come off at the end or pay my monthly payment early anytime I like, I can also clear the balance in full with no admin charges. I also like how it's really clear about how much you pay in interest and how much you save when you pay the balance early. It's just super clear! Reviewed on: 5th March 2023

Great user experience

Card is really easy to use via the app Reviewed on: 5th March 2023

Lovely solution to spreading costs within your means

Monzo flex has been useful in spreading the cost of some larger expenses, whilst still staying within my means. You can get no interest payments, and repay early with no penalty. Reviewed on: 5th March 2023

Flex on flex off

Not sure how I survived day to day finances before flex. I can’t praise it enough, it really has been a game changer, I love the flexibility of payments options, and being in full control at all times which is very important to me. Old fashioned credits cards have been cut up and replaced by flex. There’s absolutely no going back. Reviewed on: 5th March 2023

I love monzo!

I love using monzo flex, it has helped me manage my spending and it’s so easy to use. You can clearly see your payment schedule and it’s easy to make repayments and the interest is reasonable too. I tend to always pay before my monthly due date so avoid the interest. I couldn’t live without monzo flex! I’ve never had a credit card, if monzo flex is all I need! Reviewed on: 5th March 2023

Monzo has given me great experience

It's always simple and easy for the money transfer and haven't had any difficulty using monzo Reviewed on: 5th March 2023

Easy, efficient, friendly

Monzo makes it easy to save money, everything is user friendly and efficient. I feel like I’m doing better for the environment because it makes online, paper-free banking hassle-free. I’m so glad I decided to start using Monzo. Reviewed on: 5th March 2023

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card (discontinued)
from Wave (inactive) 2.82 from 3 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.03 from 13 reviews
Flexicard
from Halifax 4.57 from 5 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 3 reviews
Savings
from Monzo 4.97 from 192 reviews
Under 16s account
from Monzo 4.96 from 493 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub