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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)

Simply the Best

I’ve been using monzo for a few years now and have honestly felt it’s the best bank I’ve been with. It’s helped my stay organised and also helped me save money. Being with monzo makes money one less thing to worry about for me, the ease of using the pots and having my bills come straight out gives me peace of mind for the whole month! The recent addition of Monzo Flex has helped me so many times and it feels really good to be given the option of the payment plan! There are so many different services that Monzo offers and I also find they have the best interest rates and are by far one of the cheapest monthly banks!. I genuinely believe Monzo is the best bank I’ve been with and constantly refer my friends to Monzo (sometimes forgetting the refer a friend code! But it doesn’t matter because I genuinely believe they’re the best!) Reviewed on: 18th January 2024

Monzo flex is a great way to flex purchases

Monzo flex is a great way to flex purchases acting like a credit card but not charging interest unless you want to pay over more than 3 months. This makes it really easy to flex purchases when I don't quite have the money but will do in a month or so. Reviewed on: 18th January 2024

Monzo flex is the best credit card I've ever had.

Monzo flex is the best credit card I've ever had. The app makes all parts of the process simple and easy and provides useful features to be able to track what I'm spending with categories. Reviewed on: 18th January 2024

A Bank for the People

Easy friendly bank that provides innovative ways to manage money without feeking you are being taken advantage of. A bank for the people, not the institute. Reviewed on: 18th January 2024

Excellent!

it is amazing! the most important it is simple to use. Reviewed on: 18th January 2024

Satisfactory

Help the needy when needed no matter your credit rating , they kind of fix you up with some loan or credit card Reviewed on: 18th January 2024

monzo are amazing

Monzo have become my main bank due to their amazing deals and easy way of managing money. The flex credit for me is the best on the market. Reviewed on: 18th January 2024

I have been with monzo for years.

I have been with monzo for years. Their new products always smash it out of the park. Monzo flex has saved me so much money. Buying car insurance over the year and flexing it over 12 months is cheaper than the monthly amount charged by the insurer Reviewed on: 18th January 2024

Super easy to use, great service

Super easy to use, great service Reviewed on: 18th January 2024

Love monzo

I’ve had Monzo now for quite a good while, despite others claiming to have had bad experiences me personally have never ever had a problem and I honestly recommend Monzo to all of my friends, especially due to the fact it’s just so easy to use and set up. Reviewed on: 18th January 2024

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