Write a review

Newsletter

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

View other Monzo products

4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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

Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

Great bank and great service

I love the flex option on my account. An easy way to manage payments amd avoid using Klarna. Reviewed on: 6th April 2023

Flex is the best credit card I've had in years

Monzo Flex is one of the most useful and fair credit cards out there. Honestly. 3 months interest-free, great to help the credit score as long as it's used responsibly. After 3 months you pay interest which is really good given most credit cards charge interest instantly. I highly recommend Monzo Flex to financially responsible people and they always love it and share it with their friends. Reviewed on: 6th April 2023

Easy to use and be in control

Use of the Monzo flex option is simple and straight forward. Linked to the main app, all information shown in a clear style. Like the ability to flex in advance or even use for a payment already made. Love Monzo!! Reviewed on: 6th April 2023

Great use

Love the flex option Really is helpful when you need it Reviewed on: 6th April 2023

EMI

Easy to convert emi Monzo bank is good to use Reviewed on: 6th April 2023

Amazing

Love it so much monzo is the best banking app Reviewed on: 6th April 2023

Dreams into possibilities

I use my flex account like it's a safe space, when I had to replace my e-bike that was stolen I didn't have the money at the time to purchase a new one right away and without it it would have been a nightmare to continue working as a delivery driver and thanks to flex I could buy a new one to keep working and providing for my family. Reviewed on: 6th April 2023

Clever financing

Finally, clever and accessible interest free borrowing. I love being able to manage personal cash flow using an interest free option that is innovative, easy to understand and doesn't punish you for early payments! Love it Reviewed on: 6th April 2023

Great way of using credit

Flex is a great product that allows you to buy now and pay later. I like how it is integrated into the banking experience. Reviewed on: 6th April 2023

The future of online banking is here

Since the inception of Monzo flex, it provided me the very reliable flexibility in budgeting that it almost replaced the need for a credit card. Reviewed on: 6th April 2023

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Gold Card
from first direct 4.23 from 9 reviews
Credit card (discontinued)
from Tandem 4.65 from 358 reviews
Credit card
from HSBC 3.78 from 128 reviews

Want to see more from Monzo?

Under 16s account
from Monzo 4.89 from 945 reviews
Investments
from Monzo 4.86 from 1146 reviews
Current account
from Monzo 4.85 from 19429 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub