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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

More than just a bank

Never thought I'd be "happy" with a bank it's more of a need than something useful. However, Monzo changed that for me, my bank is now a tool for handling my money and helping me budget, save, and even monitor third party credit cards. I would recommend Monzo to anyone. Reviewed on: 18th January 2024

I got monzo flex as my first credit option since i’v...

I got monzo flex as my first credit option since i’ve been in the uk. The three month no interest payments its amazing. Im so happy with the product. Reviewed on: 18th January 2024

Stay Flexin!

Love the interest free flex for 3 months. Sinple layout. Hassle free Reviewed on: 18th January 2024

Very convenient, simple and easy to use and keep track.

Very convenient, simple and easy to use and keep track. Reviewed on: 18th January 2024

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

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