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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3189 reviews)

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4.90

Based on 3,189 reviews, last reviewed 3rd Sep 2026

87% 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 and zero interest and very easy to sho... Very flexible and zero interest and very easy to shopping online and store Reviewed on: 3rd September 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 (3189)

Easy to use

Monzo makes everything really easy to do Reviewed on: 4th March 2023

Helpful, smart feature that just works without any catches

I have used flex for over a year. It worked brilliantly right from the start but the innovations that were gradually introduced since it launched, like the flexibility to change payment schedules, just make it super useful, responsible and flexible. I love flex and I live Monzo! Reviewed on: 4th March 2023

Fantastic Monzo

I absolutely love having a Monzo account. So easy to use, love being able to set up little saving pots if I want to, easy to navigate, so quick and easy to transfer money, and great customer service. I would highly recommend everyone to have a Monzo account and I love the bright card!! x Reviewed on: 4th March 2023

Love Monzo!!

Monzo has really helped me out in the lowest points of my life. Don’t know what I would have done otherwise without the support I was offered. Reviewed on: 4th March 2023

Monzo Flex has really helped me to manage my money and to get on top of my finances

As a self employed person, my income each month isnt fixed and whilst I have always tried to keep on top of my monthly outgoings, it has typically been very hard. Monzo flex really helps me to manage payments by being able to split them over a few months. Being able to do this interest free also means that I am not paying significant overdraft fees like I did previously with my old bank. The ability to manage the flex account from the app and to pay it off early is fantastic and really has helped me to get control of my money. Thanks Monzo! Reviewed on: 4th March 2023

Easy to handle

It is simple to use and useful . I have used many times and it was really helpful Reviewed on: 4th March 2023

Asset Management for the win

The fact I can now split my payments over three months at 0% interest is a life changer. And then if I decide after I get paid just to pay it off regardless with no fees. I have reduced the credit limit on other cards and increased Monzo flex for this exact reason Reviewed on: 4th March 2023

Great and innovative bank

Helpful, great at anticipating your needs and a lot of innovative features that make a world of impact and different. Reviewed on: 4th March 2023

Easy to use

Excellent service easy to use and very transparent on where you spend your money and save. Reviewed on: 4th March 2023

Outstanding

There’s nothing bad to say there always there quick decision no fuss I’ve been with bay west for forty years. So easy to deal with I will be doing full change ove. Thanks Monzo Reviewed on: 4th March 2023

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Monzo: Flex Purchase credit card reviews

87% decrease in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

Review Monzo: Flex Purchase credit card now

Best British bank 2026

Monzo Flex Purchase credit card reviews (3189)

Easy to use

Helpful, smart feature that just works without any catches

Fantastic Monzo

Love Monzo!!

Monzo Flex has really helped me to manage my money and to get on top of my finances

Easy to handle

Asset Management for the win

Great and innovative bank

Easy to use

Outstanding

Do you have a different Monzo product?

Want to see more from Monzo?

Under 16s account

Investments

Current account

Join Smart Money People

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