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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)

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

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

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