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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)

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Fantastic and user friendly service Reviewed on: 10th March 2023

More flexible than a credit card

I'm really happy with Flex, an innovative credit line with built in flexibility. Much more useful to me than my standard credit card (which I've now been able to close. Flex makes it easy to manage payments, flexing them if you have more or less money one month etc. Also better in my view than the other buy now pay later providers because it's with a bank, and sits alongside your account so you're always able to see all your finances together Reviewed on: 10th March 2023

Great utility

Very easy to register and start using Great utility for someone new to the UK Reviewed on: 10th March 2023

User-friendly experience by using a flexible banking app

The flex instalment is so flexible by just a few clicks over the Monzo banking app. The client can immediately choose to do the instalments in the banking app just right after the purchase transaction was made. Reviewed on: 9th March 2023

Fantastic service

Excellent product that allows you to break the cost of your purchase over 3, 6 or 12 months Reviewed on: 9th March 2023

Best way to manage money

I love how the way Flex updates balances instantly Reviewed on: 9th March 2023

Great options for purchases

I really like being able to choose 0% or to pay interest on anything and having a fixed time to repay feels so much safer when spending. Looking forward to having a higher limit so I can get rid of my other credit card. Reviewed on: 9th March 2023

Great feature

Great alternative for credit card. Reviewed on: 8th March 2023

Brilliant idea

A brilliant idea who ever thought of this Monzo flex is so easy to do it really helps you out in money matters if you need to spend it on something else and you don’t have the money that’s when Monzo flex comes in just brilliant Reviewed on: 7th March 2023

Interest free is gold opportunity

I have been using flex for nearly one year it’s really good that you can used flex for 3 months without interest. And December they gave 6 month interest free instalment that was really good for Christmas shopping so I recommend Monzo to every one as no other bank give this opportunity Reviewed on: 7th March 2023

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