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Monzo: Flex Purchase credit card reviews

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

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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

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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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

Smart flex account

Fantastic idea, an overdraft scheme with a low interest rate and an easily accessible contact team should you need to make changes due to circumstances. Highly recommend and promote. Cheers monzo! Reviewed on: 6th April 2023

Best banking services

I was introduced to flex by my friend. Total life changing. Its got all thr best offers not offered on the high street banks. Reviewed on: 6th April 2023

Ability to use my account easily and anywhere

I am so happy I have a Monzo account as I travel to Australia a lot to see my daughter and grandchildren. I don’t have to think about exchange rates, charges etc. I just use my Monzo Flex Card. Accepted everywhere it’s great… Reviewed on: 6th April 2023

Flex Review

Monzo Flex provides a really great service. Reviewed on: 6th April 2023

The trailblazer

It good to have the monzo flex , it gives the opportunity to identify your spending and how to manage it. It most interesting part is having to pay on time and in return getting a reduced interest rate for that month under consideration. Reviewed on: 6th April 2023

So easy to use

It’s so easy to use. The transparency around exact interest amounts is great as well. I also love that it’s linked to my bank account unlike similar products from Klarna etc. Reviewed on: 6th April 2023

Very best

I dont think feature like monzo flex is provided bt any other.... i been using this since starting and i love it. I have recommended monzo to many others hoping they would get this feature but looks like everybody doesn't get it.. i was using llyods for a long time but now all of my transactions are via monzo flex and its quite easy to pay back also so its nice Reviewed on: 6th April 2023

Amazing service.

Monzo’s service is incredible like any other bank. Reviewed on: 6th April 2023

Something to always fall back on

The Monzo flex always comes in handy when I need to split payments. It’s a huge financial relief for me. Definitely one of the best features on Monzo Reviewed on: 6th April 2023

Amazing

Best service I’ve ever had! I know it is a organization tgats listen to me and provide me with the best service Reviewed on: 6th April 2023

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