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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

56% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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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Monzo Flex Purchase credit card reviews (3174)

Definitely best card to use.

I I love using my monzo card especially when I’m on holiday it’s can be used anywhere in the world with no charges applied. Easy to split bill with friends or transfer using the app. This has made life easier for me. Reviewed on: 4th March 2023

Unbelievably convenient credit

I’ve been travelling around for nine months. Planning trips often meant spending my rent money several months before I’d earned it. Monzo flex helped me turn this unusual spike in spending back into a predictable monthly payment. Flexing things was made so easy by the ability to use the flex card number up front OR flex a transaction after making it. My income has been variable too, so I’ve appreciated the ability to change the repayment plan or even make early repayments without fees. Thank you Monzo! Reviewed on: 4th March 2023

Excellent services

Outstanding just excellent so far Reviewed on: 4th March 2023

Love flex!

Monzo flex is such an amazing option to have within my monzo account. It makes it so each to manage bigger purchases with the multiple split payments options. I rave about it to all my friends! Reviewed on: 4th March 2023

Great service

Great to use if used properly. It's great for when needing to spread the cosr interest free Reviewed on: 4th March 2023

Brilliant

Brilliant bank, Brilliant products Reviewed on: 3rd March 2023

Absolutely lovely!

Flex allows me to responsibly spend my money without paying a fee. It's great for spacing payments out in three interest-free months! I also am able to manage the money quite well which helps increase my credit score :) Reviewed on: 3rd March 2023

Best bank ever

This is the first bank that I used and after this I haven't even thought about other banks and I didn't have an account for almost 2 years Thats how best it was Reviewed on: 3rd March 2023

Great monzo

I would like to say great monzo is ever best and strongly recommended Reviewed on: 3rd March 2023

Excellent account especially when travelling abroad

Love Monzo it’s free to use abroad with no extra fees and Monzo flex is a genius idea especially now there is a physical card. Keep up the good work. Reviewed on: 3rd March 2023

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