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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)

Amazing flexible payments

Interest free repayments for three months is fantastic, directly with my bank and within the app. Much prefer this to using other buy now pay later methods. Reviewed on: 30th March 2023

A credit card but better!

Flex is essentially all of the great stuff about a credit card, but with so much more visibility and flexibility, I love it! Reviewed on: 30th March 2023

Love Monzo flex

We used Monzo flex to furnish our apartment! Loved the experience, and the value proposition of spreading a big ticket cost over 3 months! Reviewed on: 30th March 2023

Responsible credit card with transparent information

Being able to split up large purchases helps spread the load across multiple months, especially as I tend to live frugally for a few months and then have a holiday break where I spend more. The transparent information is great and makes me feel like I am being treated fairly and not being taken advantage of. Reviewed on: 30th March 2023

Flex is great

I have loved using flex to spread costs Reviewed on: 25th March 2023

Amazing Company

Ever since I've switched to Monzo I've absolutely loved it! Reviewed on: 24th March 2023

Gret first credit product

Flex was my first credit product. I've found it easy to use and very clear how much I owe and when; recent features, like the ability to pay my next installment early, are very useful. I also find the ability to choose to flex transactions made initially using my debit card or to use the flex virtual card directly (and thereby get section 75 protection) very handy. Reviewed on: 24th March 2023

Simple app to use, quick responses and great flex!

Great app and customer service have always been swift. The flex option was a great addition and has made me unlikely to leave the bank. Reviewed on: 24th March 2023

There for when you need it

Flexible, perfect customer service. A great product. Reviewed on: 24th March 2023

Excellent service

Monzo provides an excellent service, super easy to use and super convenient. Everything is quick and hassle free. Reviewed on: 24th March 2023

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