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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3034 reviews)

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4.97

Based on 3,034 reviews, last reviewed 2nd Mar 2026

52000% 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

Understanding and being able to manage money better Understanding and being able to manage money better Reviewed on: 2nd March 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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Monzo Flex Purchase credit card reviews (3034)

Best BNPL Product on the Market

Everything about Flex, from the UX design to the options available to customers, ease of setting up and using along with the information and support provided by Monzo make this the best BNPL product on the market. Reviewed on: 6th April 2023

Brilliant

Flex is an amazing way to use credit without the hassle of paying interest. Almost anything can be flexed over 3, 6 and 9 months with the later two charging interest. It also provides a virtual card. Reviewed on: 6th April 2023

Fantastic

Amazing and couldn't praise them highly enough. Simple and easy app to use too Reviewed on: 6th April 2023

Flextastic

Flex is amazing and has revolutionised BNPL, there is simply more flexibility than any other credit provider, with the ability to choose different repayment plans to suit your needs. With everything neatly packaged up in one convenient location it just deals the deal Reviewed on: 6th April 2023

Keep up the good work!

As always: you ROCK! Its a pain "Your review should be between 32 and 4096 characters."... Reviewed on: 6th April 2023

Comes in clutch every time!

Amazing product and easy to use. Repaying is simple. Reviewed on: 6th April 2023

Great bank and great service

I love the flex option on my account. An easy way to manage payments amd avoid using Klarna. Reviewed on: 6th April 2023

Flex is the best credit card I've had in years

Monzo Flex is one of the most useful and fair credit cards out there. Honestly. 3 months interest-free, great to help the credit score as long as it's used responsibly. After 3 months you pay interest which is really good given most credit cards charge interest instantly. I highly recommend Monzo Flex to financially responsible people and they always love it and share it with their friends. Reviewed on: 6th April 2023

Easy to use and be in control

Use of the Monzo flex option is simple and straight forward. Linked to the main app, all information shown in a clear style. Like the ability to flex in advance or even use for a payment already made. Love Monzo!! Reviewed on: 6th April 2023

Great use

Love the flex option Really is helpful when you need it Reviewed on: 6th April 2023

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