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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

56% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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 (3174)

Easy to manage

Easiest credit card you’ll ever manage, whether you’re making use of the 0% 3mo or spreading purchases over a longer period. You know exactly what interest you’re paying on which purchases and can easily switch payment durations or pay in full. Reviewed on: 18th January 2024

Thoughtful and creative approach to credit

Thoughtful and creative approach to credit, combining the best of BNPL and credit card products. I really like the ease of splitting payments and being able to balance short-term zero-cost credit v long-term repayments. Reviewed on: 18th January 2024

Brilliant Flex options easy and very friendly company.

Brilliant Flex options easy and very friendly company. Easy to organise payments. Monzo team always come out with great ideas Reviewed on: 18th January 2024

Great banking service, super user friendly app, info...

Great banking service, super user friendly app, informative and quick responding staff. I love banking with Monzo. Reviewed on: 18th January 2024

Nothing is too much for Monzo.

Nothing is too much for Monzo... Very friendly abd helpful staff Reviewed on: 18th January 2024

Best bank to join by a mile!!

Since joining Monzo, I have a personal, business and Monzo flex account with them. Their customer service, application ease of use and value as a bank is amazing! I would highly recommend them and do recommend them to everyone I can! Keep up the amazing work! Reviewed on: 18th January 2024

Monzo make everything clear up front and give lots o...

Monzo make everything clear up front and give lots of options when it comes to borrowing any money from them. The Flex card has been an absolute game-changer in terms of combining a classic credit card with the buy now, pay later options. Reviewed on: 18th January 2024

I’m always recommending Monzo and Monzo flex!

I’m always recommending Monzo and Monzo flex! They’re so forward thinking in their approach, customer centricity certainly seems to be innate at Monzo. And their social media content is also spot on! Reviewed on: 18th January 2024

Quick, Simple and Personalised

Ive been using flex for over a year now and never had to question my decision. Top reasons: quick, simple, personalised, cost efficient. Reviewed on: 18th January 2024

I’ve been using Monzo flex for a while and it’s very...

I’ve been using Monzo flex for a while and it’s very easy to pay off earlier and track the record of all expenses!! Highly recommended! Reviewed on: 18th January 2024

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