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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 options for purchases

I really like being able to choose 0% or to pay interest on anything and having a fixed time to repay feels so much safer when spending. Looking forward to having a higher limit so I can get rid of my other credit card. Reviewed on: 9th March 2023

Great feature

Great alternative for credit card. Reviewed on: 8th March 2023

Brilliant idea

A brilliant idea who ever thought of this Monzo flex is so easy to do it really helps you out in money matters if you need to spend it on something else and you don’t have the money that’s when Monzo flex comes in just brilliant Reviewed on: 7th March 2023

Interest free is gold opportunity

I have been using flex for nearly one year it’s really good that you can used flex for 3 months without interest. And December they gave 6 month interest free instalment that was really good for Christmas shopping so I recommend Monzo to every one as no other bank give this opportunity Reviewed on: 7th March 2023

Best Bank Ever

Monzo is the best bank I have ever used. It’s simple, customer friendly & always offering new pioneering services. Thank you Monzo Reviewed on: 6th March 2023

Simple to use

Far more flexible than others, directly linked to your bank account. Clear credit line rather than guessing like the pink company. Reports to credit file to build history. Reviewed on: 6th March 2023

Fast, easy and transparent

Monzo makes splitting bills and making payments easy but what I really love is their commitment to not using any confusing language which makes banking with them more accessible Reviewed on: 6th March 2023

everything you will ever want

Great bank, and never had any issues. The only areas of improvement I would suggest is the premium account benefits if they were customisable, as the lack of breakdown cover is whats keeping me with my other bank. Their middle tier premium account doesnt feel like its very good value for money as some of the features are free as standard with other banks. If something were to be done about these niggles i reckon this would be a solid 5/5 bank for sure Reviewed on: 6th March 2023

Great credit card alternative

The app is user-friendly, and it is easy to navigate, which makes managing my account a breeze. The app provides real-time updates, allowing me to keep track on my expenses easily. Super recommended! Reviewed on: 6th March 2023

The best way to track spending

Monzo does a lot of the work for me. It sets reminders and gives me options on how to spend. It also tells me my spending habits and gives a comparison to previous spending history. I love Monzo and recommend it to everyone even if they already have it. Reviewed on: 6th March 2023

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