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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)

Flex is an outstanding product.

Flex is an outstanding product. Highly recommended as a credit card successor. Reviewed on: 15th January 2024

Monzo Flex is so simple and clear.

Monzo Flex is so simple and clear. The built in calculator clearly shows how each of the available payment options will affect how much you ultimately repay. For me the very best part is having a “pay in three” service within my own bank. I don’t have to sign up for a range of different services depending on who partners with each service provider. Just use my flex card and I’m away. Reviewed on: 15th January 2024

10/10 no notes

By far the best credit experience available Reviewed on: 15th January 2024

Really straightforward product to use

Really straightforward product to use Reviewed on: 15th January 2024

The best Buy-Now-Pay-Later you can get

The best Buy-Now-Pay-Later you can get Reviewed on: 15th January 2024

Super flexible and innovative credit card

Super flexible and innovative credit card Reviewed on: 15th January 2024

Flex shows where my money is being allocated

Flex credit card is truly flexible and provides a clear view of purchases made and where my monthly payments are being allocated Reviewed on: 15th January 2024

It is the best BNPL credit card on the market!

It is the best BNPL credit card on the market! Reviewed on: 15th January 2024

Flex by name, flex by nature.

Flex by name, flex by nature. More than just a credit card or buy now pay later facility. I use it regularly when I'm buying things out of the ordinary. Usually pay off next month or within 3 Reviewed on: 15th January 2024

Great payment plan

Easier credit provision and payment plan comparedto others Reviewed on: 14th January 2024

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