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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)

Great service

Simple, easy to use. Prefer it to other credit cards as it’s easy to know how much you’ve spent on it and how much you owe etc Reviewed on: 24th March 2023

Great and transparent

User friendly and sets out all your finance right in front of you in one place Reviewed on: 24th March 2023

Refreshing way to use credi

Love the control you have to choose to credit some items. Reviewed on: 24th March 2023

I love Monzo

Best bank out there. So easy to use and manage my money. Reviewed on: 24th March 2023

Flex has been a game-changer for someone with very little knowledge of credit products

I recently moved to the UK from Ireland and had very little knowledge of credit. Buy now pay later products have received a bad reputation, so I wanted to avoid them at all costs. Monzo's flex was a great in-app choice I could use casually to decide when I would like to spread the cost over a couple of months with the security of knowing it will be automatically paid from my bank on a specified date. I will continue to use the product and future releases. Reviewed on: 24th March 2023

the ONLY way to buy an iphone

Surely everyone will buy phones using this product. Flex is great. Love how simple it is. well done Monzo! you converted me! Reviewed on: 23rd March 2023

Like a credit card but easier

Great alternative to a credit card or klarna Reviewed on: 21st March 2023

A breath of flex air

Monzo flex has allowed me to transform my credit score and given me movement where moneys been tight. Their 3 month no interest option is one of the best features and bank is currently offering! Only improvement monzo could make is interest rates Reviewed on: 19th March 2023

It's only ever been monzo!

The love I have for this bank is unexplainable I have recommended monzo to so many People week after week, getting paid early, the pots, flex, save the change, savings, it goes on I will never ever return to a ' high Street' bank again, monzo literally changed my life my finances and my mission is to get everyone I know using full monzo!! Reviewed on: 18th March 2023

Easy way to spread the cost

Flex is an easy way for me to spread the cost of larger transactions interest free for 3months. The integration with the rest of the app is superb. Reviewed on: 18th March 2023

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