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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)

Monzo flex is easy to use, and provides smart visual...

Monzo flex is easy to use, and provides smart visuals on your limits, how much you’ve already spent, and offers a centralised hub for all of our short tame borrowing. I like the credit limits are easy to review, and the application process to get Monzo Flex is both straightforward and quickly approved. Reviewed on: 14th January 2024

Monzo Flex helps me to manage my finance.

Monzo Flex helps me to manage my finance. It gave me complete control and flexibility over my spending. Reviewed on: 13th January 2024

Best Bank

Best Bank ever I have seen. They understand customers needs Reviewed on: 13th January 2024

Flex changed my attitude to credit cards

I had a credit card for years as a student but could count on one hand the number of times I used it. I didn't understand the rules and was scared of the fees I might accidentally incur. Monzo changed all that. Flex allows you to pay via a card or choose Flex via the app after you've paid on debit. The payment options are simple and well explained. The auto payment means it's hard to miss a repayment deadline. It's great! Completely demystified credit cards for me. Reviewed on: 13th January 2024

Best credit card service.

Best credit card service. Monzo is the best Reviewed on: 13th January 2024

Monzo Flex has been brilliant and I love the virtual...

Monzo Flex has been brilliant and I love the virtual cards too Reviewed on: 13th January 2024

It is a life saver to run monthly expenses

It is a life saver to run monthly expenses Reviewed on: 12th January 2024

Flex is the best.

Flex is the best. Very generous funsing term. Reviewed on: 12th January 2024

I use Monzo Flex from day one and I love it!

I use Monzo Flex from day one and I love it! It's really worth it, you can pay it back early if you wish and it gives me flexibility if I need some extra cash suddenly, because I can flex previous transactions! Reviewed on: 12th January 2024

Love that I don’t need to pay interest for the first...

Love that I don’t need to pay interest for the first 3 months. Reviewed on: 12th January 2024

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