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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)

Flexibility at its finest

Exceptional service, approved within minutes, easy to keep track of outgoings and payments, provides a lot of flexibility that other banks don’t. Reviewed on: 12th January 2024

Monzo Flex is a credit offering that does not exist...

Monzo Flex is a credit offering that does not exist elsewhere. It's so brilliant, I don't know how I did it in the past without. Reviewed on: 12th January 2024

Fraud

I was a victim of fraud and proved it to Monzo and the basically said it is nothing to do with them, absolutely nothing to with them dishonest people who steal your money in your account, people do not care about you and rob your money blatantly do not open nothing with this appalling company Reviewed on: 20th October 2023

Monozo Theft of Customers money DO NOT PAY EXTRA PAYMENTS

I have a Flez account anyway i bought some items from amazon with it but then realised i did not need them so i canceled the order so 2 weeks go by i make an ( Extra payment ) but i contact Amazon to ask when they would refund the purchase price and was informed they did not take the money out of the flex account but flex kept it so i had to contact the and prove that i had cancelled the order they then returned the purchase price but not the extra payment when i asked about the return of the extra payments i was told they do not give refunds of extra or early payments. So BEAWRE WHEN YOU SPEND WITH MONZO FLEX. Reviewed on: 14th September 2023

Worst experience ever

I switched my account from monzo to another bank, with this My account closed and So I wasn’t able to access my flex account as well which was due within few days, No customer service at all they said you will be contacted via email within 48 hours but its been 1 week and now I ended up paying interest which was not my fault at all..customer executive were very rude. Reviewed on: 10th September 2023

Amazing

I am a flexy lover. Monzo flex helps me a lot with spreading the cost. So I recommend to all Reviewed on: 31st July 2023

A helping hand

I loved Monzo flex! I used it when I needed to get holiday clothes and it was really easy to pay with and I liked that you could set a limit and there was no interest for a while. It would also only make you pay back minimal amounts which was easy to repay. Reviewed on: 2nd June 2023

Top

Very quick to open a new account ,very easy to use the app,very simple to apply for a loan ,they are really top with this changing times and adapt to customer demand Reviewed on: 1st June 2023

Flex is incredibly handy and so easy to use!

Having Monzo Flex is a really useful tool to have. It’s perfect for if you have an unexpected bill to pay and need short term finances. It’s really easy to use and the repayments are minuscule making it all the better to have. Would always recommend to anyone Reviewed on: 1st June 2023

Love Monzo, so helpful and clear!

Monzo is so much easier to use than other banking apps, direct debits show up before they come out, easy budget setting, early payments etc etc, I really enjoy using their products! Monzo Flex is my favourite as it allows you to keep control over your money, spread out big payments, and control how you repay them. I’m a big fan! Reviewed on: 1st June 2023

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