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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2948 reviews)

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4.97

Based on 2,948 reviews, last reviewed 14th Feb 2026

43500% 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

Love Monzo, how user friendly it is Love Monzo, how user friendly it is Reviewed on: 14th 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

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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 (2948)

Like a credit card but easier

Great alternative to a credit card or klarna Reviewed on: 21st March 2023

A breath of flex air

Monzo flex has allowed me to transform my credit score and given me movement where moneys been tight. Their 3 month no interest option is one of the best features and bank is currently offering! Only improvement monzo could make is interest rates Reviewed on: 19th March 2023

It's only ever been monzo!

The love I have for this bank is unexplainable I have recommended monzo to so many People week after week, getting paid early, the pots, flex, save the change, savings, it goes on I will never ever return to a ' high Street' bank again, monzo literally changed my life my finances and my mission is to get everyone I know using full monzo!! Reviewed on: 18th March 2023

Easy way to spread the cost

Flex is an easy way for me to spread the cost of larger transactions interest free for 3months. The integration with the rest of the app is superb. Reviewed on: 18th March 2023

Easiest bank

Monzo is simply the best and easiest bank to have. All features are super easy and helpful, woth monzo flex being amazing Reviewed on: 16th March 2023

Made a difference to my finances

The Flex has helped me get rid of all my credit cards. I never have to get in touch with anyone because I can do everything I need straight in the app, on the go. Flex has helped me improve my budgeting and spend more wisely. Excellent service. I highly recommend. Reviewed on: 16th March 2023

Better than any other credit card!

Monzo Flex is amazing…. It not only allows you to pay off quicker with its 3 months interest fee option, it’s also interest fee!!! I adore it! Reviewed on: 16th March 2023

Faultless

Great way to pay later great Addition to monzo Reviewed on: 14th March 2023

A solid and it is a vanilla cake to use it

It helped me to manage my tech expense that needs on the right time. The application is really cool and really easy to use like an ice cream. The automated process of verification and opening accounts with Monzo is really streamlined. Reviewed on: 14th March 2023

Super product with simple terms

Clarity and transparency are what set Monzo apart from other banks. Flex is the best example of this - giving all the decision making power to the customer! Reviewed on: 12th March 2023

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