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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)

Fantastic!

Moving to Monzo was one of the best decisions I've ever made. Their app is incredibly simple and the Flex function is a lifesaver. Reviewed on: 1st June 2023

Easy, breezy banking

Monzo in general is so easy to use, but their flex option is the least complicated credit option. I’ve had a lot of credit cards in the past, all have heaps of T&C’s as long as your arm. Monzo have simplified it, you select what you want to ‘flex’, how long you’d like to spread the payments over and it clearly displays either 0%, x% and so on; so you know exactly what you’re repaying, when and you can even change your repayment amounts. Literally life changing. Yay for monzo Reviewed on: 31st May 2023

Flex is Game Changer

Flex is the best credit card out there. Now they allow you to order a physical card which was previously not allowed. Given my not so good credit history yet they offered me £6000 credit limit where as Barclaycard offered me £1000. Now I am using it on a daily basis and three month buffer period without interest works put perfect on a day to day basis Reviewed on: 31st May 2023

Monzo Flex is a great credit tool

I like Monzo Flex because it is simple and accesible. I like all the features that help me stay in control of paying back my credit usage. Reviewed on: 31st May 2023

Monzo Flex is the best thing to happen to personal banking

Since Monzo Flex launched it has become something I use very regularly, an essential. Being built into my banking app, it just works seamlessly however I choose to pay. With the expansion into physical cards, I'm looking forward to using it even more. The option to spread slightly larger or unexpected payments interest free over a few months is revolutionary, and the way Monzo do it responsibly is fantastic. Reviewed on: 31st May 2023

Monzo Flex is a great new feature!

I use Monzo as my current account and really like it. The “flex” feature is incredibly useful for pricier purchases and managing my monthly budget! Very happy customer! Reviewed on: 31st May 2023

Finances made simple

Flex is the easiest thing to use, it’s like a credit card in my current account which is so easy to manage, as well as the option of interest free payments for 3 months which is so handy for some slightly bigger purchases that you need, that you want paid off quickly! Reviewed on: 31st May 2023

Money freedom

Flex is a game changer, with 0% and making those monthly costs more manageable Reviewed on: 31st May 2023

Fantastic

Gives so much flexibility (the clue is in the name!!) It's like Klarna but for anything you choose - it even provide different payment plans. Such a fantastic product Reviewed on: 31st May 2023

Flex is quick, easy, and clear

I've never seen a credit product that is so upfront and clear. It makes spreading the cost of an item much less stressful and super easy to track. I always know exactly how much I've spent and how much my next payment is which makes it really easy to control spending. Reviewed on: 31st May 2023

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