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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)

EMI

Easy to convert emi Monzo bank is good to use Reviewed on: 6th April 2023

Amazing

Love it so much monzo is the best banking app Reviewed on: 6th April 2023

Dreams into possibilities

I use my flex account like it's a safe space, when I had to replace my e-bike that was stolen I didn't have the money at the time to purchase a new one right away and without it it would have been a nightmare to continue working as a delivery driver and thanks to flex I could buy a new one to keep working and providing for my family. Reviewed on: 6th April 2023

Clever financing

Finally, clever and accessible interest free borrowing. I love being able to manage personal cash flow using an interest free option that is innovative, easy to understand and doesn't punish you for early payments! Love it Reviewed on: 6th April 2023

Great way of using credit

Flex is a great product that allows you to buy now and pay later. I like how it is integrated into the banking experience. Reviewed on: 6th April 2023

The future of online banking is here

Since the inception of Monzo flex, it provided me the very reliable flexibility in budgeting that it almost replaced the need for a credit card. Reviewed on: 6th April 2023

Smart flex account

Fantastic idea, an overdraft scheme with a low interest rate and an easily accessible contact team should you need to make changes due to circumstances. Highly recommend and promote. Cheers monzo! Reviewed on: 6th April 2023

Best banking services

I was introduced to flex by my friend. Total life changing. Its got all thr best offers not offered on the high street banks. Reviewed on: 6th April 2023

Ability to use my account easily and anywhere

I am so happy I have a Monzo account as I travel to Australia a lot to see my daughter and grandchildren. I don’t have to think about exchange rates, charges etc. I just use my Monzo Flex Card. Accepted everywhere it’s great… Reviewed on: 6th April 2023

Flex Review

Monzo Flex provides a really great service. Reviewed on: 6th April 2023

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