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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3019 reviews)

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4.97

Based on 3,019 reviews, last reviewed 27th Feb 2026

50600% 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

Its helped me to improve my credit score Its helped me to improve my credit score Reviewed on: 27th February 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 (3019)

It just does what it needs to do

Monzo flex is just great as it isn’t fussy or complicated to do, it’s just very clear, easy to understand and I’ve never had any problems Reviewed on: 4th March 2023

Monzo Flex super helpful

Flex is super helpful right now when times are a bit harder, it can just stop you getting into more of a hole. Reviewed on: 4th March 2023

Monzo is good

Love Monzo, use it for all my finances. I use Monzo premium, and flex. And both are absolutely great, travel insurance, mobile insurance, airport lounges. And all the cool pot options. Well worth, gave up on high street banks, monzo is all I need Reviewed on: 4th March 2023

Lovely customer services

Great bank helpful. Would highly suggest to friends Reviewed on: 4th March 2023

Stress free

Uncomplicated, clear, user friendly. You have complete control over your finances. Reviewed on: 4th March 2023

Definitely best card to use.

I I love using my monzo card especially when I’m on holiday it’s can be used anywhere in the world with no charges applied. Easy to split bill with friends or transfer using the app. This has made life easier for me. Reviewed on: 4th March 2023

Unbelievably convenient credit

I’ve been travelling around for nine months. Planning trips often meant spending my rent money several months before I’d earned it. Monzo flex helped me turn this unusual spike in spending back into a predictable monthly payment. Flexing things was made so easy by the ability to use the flex card number up front OR flex a transaction after making it. My income has been variable too, so I’ve appreciated the ability to change the repayment plan or even make early repayments without fees. Thank you Monzo! Reviewed on: 4th March 2023

Excellent services

Outstanding just excellent so far Reviewed on: 4th March 2023

Love flex!

Monzo flex is such an amazing option to have within my monzo account. It makes it so each to manage bigger purchases with the multiple split payments options. I rave about it to all my friends! Reviewed on: 4th March 2023

Great service

Great to use if used properly. It's great for when needing to spread the cosr interest free Reviewed on: 4th March 2023

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