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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)

I love monzo

Monzo flex easy and friendly. Monzo the best and love you monzo forever Reviewed on: 8th April 2023

Flexible Flex

This model is really helpful for me to manage my financial status by having an distributed payment option. I know no other bank provides this option yet and this is really innovative and useful. Reviewed on: 8th April 2023

Amazing

Love monzo...so easy to use..always reliable and a great service who I trust with my money. Reviewed on: 7th April 2023

Great Bank!

Loved easy account opening procedures and Flex option! Reviewed on: 7th April 2023

Great Lending

Great way to split monthly payments on big purchases Reviewed on: 7th April 2023

Best and reliable

Very fast and easy way to use bank. Either you are home or abroad monzo is always there. Reviewed on: 7th April 2023

Account management

Easy to manage accounts, flexilible loans, credits Reviewed on: 7th April 2023

Easy and super intuitive

Allows for full control of your finances Reviewed on: 7th April 2023

A true way to have flexibility

I've had monzo flex for a number of months now. It gives me the autonomy and flexibility to have complete control over my purchases whilst allowing for every day life to get in the way without causing real financial problems. It's fully transparent, easy to use and a complete life saver at times. Reviewed on: 7th April 2023

Flex is great

Flex has enabled me to spend beyond my means in certain months (when it is unavoidable!) without having to have an overdraft or credit card. I budget the payments into my next months spending. Reviewed on: 7th April 2023

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