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Monzo: Flex Purchase credit card reviews

View other Monzo products
4.90
Based on 3,189 reviews, last reviewed 3rd Sep 2026
87% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
98%
See only 4 star reviews
2%
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0%
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0%
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Latest highest rating:

5

Very flexible and zero interest and very easy to sho... Very flexible and zero interest and very easy to shopping online and store Reviewed on: 3rd September 2026
Sharif S's avatar
Sharif S

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 (3189)

Easy Handling, User Friendly Interface

5
Easy Handling, User Friendly Interface Reviewed on: 18th January 2024
SHARATH V's avatar
SHARATH V

It’s just such a really simple way to use credit!

5
It’s just such a really simple way to use credit! With the latest updates and using 0% over 3 months or “normal” credit over 12 months… and it defaults to using a normal credit rating and you cange change it later! it is by far the easiest credit to use right now! Reviewed on: 18th January 2024
Ben B's avatar
Ben B

An experience that can only be exeperienced!

5
The repaymemt felxibilty, security and convinience all combine to give that unique and wow customer expereince. No problems since I've een using the card, and if I have to choose all over again it's still going to be Monzo. It's customer centric...a life saver! Reviewed on: 18th January 2024
Champion007's avatar
Champion007

Excellent

5
The features offering different payment plans are brilliant never pay any interest if you choose not too Reviewed on: 18th January 2024
Happy customer 's avatar
Happy customer

10/10, recommended to many friends

5
I’ve been using Monzo since 2016, before it was a properly registered bank. I’ve encouraged numerous friends and family to open accounts, even though I don’t think I’ve claimed a single referral bonus! Monzo Flex is just the cherry on top; the system is so easy to use, and it makes my life so much easier. The interest-free payments, including delaying a single payment to the start of the next month (after payday) is invaluable! Reviewed on: 18th January 2024
Matt J's avatar
Matt J

Monzo is the best Credit Card experience out there!

5
Monzo is the best Credit Card experience out there! Not only with their competitive APR but also it’s so simple that I don’t have to worry about anything. If I buy something now or in the last two weeks I can always Flex it. Paying in 3 instalments for free? Yes! I’m in control and can easily manage my plans! Reviewed on: 18th January 2024
Mat D's avatar
Mat D

I love the flexibility and simplicity.

5
I love the flexibility and simplicity. Flex is a great product Reviewed on: 18th January 2024
CC's avatar
CC

Really easy to use and great service

5
Really easy to use and great service Reviewed on: 18th January 2024
Matthew B's avatar
Matthew B

I love using my monzo flex, it’s easy quick and come...

5
I love using my monzo flex, it’s easy quick and comes in handy. Would recommend to everyone I know. Reviewed on: 18th January 2024
Rashida 's avatar
Rashida

Excellent

5
Excellent service and extremely flexible Reviewed on: 18th January 2024
Joe's avatar
Joe

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