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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)

Great product

Easy to access and use can see exactly what I owe Reviewed on: 24th March 2023

The card for the new generation

The best thing about Monzo is how easy everything is to do. There’s no waiting on hold for hours, no time limit to when you can do admin and no restrictions as to what you’re able to change for yourself- this is due to it being app based. Now they’ve brought out a credit card to add to their growing family of convenient, user friendly, straight forward banking accounts. What more could you want! Reviewed on: 24th March 2023

Monzo is great

Monzo flex has been fantastic for me and so has the customer service would 100% recommend Reviewed on: 24th March 2023

Best fintech bank about

Makes sending and receiving money from friends effortless Reviewed on: 24th March 2023

Great service

Simple, easy to use. Prefer it to other credit cards as it’s easy to know how much you’ve spent on it and how much you owe etc Reviewed on: 24th March 2023

Great and transparent

User friendly and sets out all your finance right in front of you in one place Reviewed on: 24th March 2023

Refreshing way to use credi

Love the control you have to choose to credit some items. Reviewed on: 24th March 2023

I love Monzo

Best bank out there. So easy to use and manage my money. Reviewed on: 24th March 2023

Flex has been a game-changer for someone with very little knowledge of credit products

I recently moved to the UK from Ireland and had very little knowledge of credit. Buy now pay later products have received a bad reputation, so I wanted to avoid them at all costs. Monzo's flex was a great in-app choice I could use casually to decide when I would like to spread the cost over a couple of months with the security of knowing it will be automatically paid from my bank on a specified date. I will continue to use the product and future releases. Reviewed on: 24th March 2023

the ONLY way to buy an iphone

Surely everyone will buy phones using this product. Flex is great. Love how simple it is. well done Monzo! you converted me! Reviewed on: 23rd March 2023

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