Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2948 reviews)

View other Monzo products

4.97

Based on 2,948 reviews, last reviewed 14th Feb 2026

43500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Love Monzo, how user friendly it is Love Monzo, how user friendly it is Reviewed on: 14th February 2026

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 2025

Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Purchase credit card reviews (2948)

Amazing Bank

Love how simple monzo operate! No hidden charges or gimmics! Reviewed on: 3rd March 2023

Best Bank

Been with Monzo for a number of years now and have had ZERO complaints so far. Flex is a great offering and means I don't need a separate credit card. Reviewed on: 3rd March 2023

Very easy to use

I love how easy to use Flex is, and the no interest option. They’re my first go to for bigger purchases Reviewed on: 3rd March 2023

Super Duper positive experience.Very quick in action.

I am more than satisfied with my Monzo,and it is really very very fast,I transfer money internationally in less than 10 seconds, very much user friendly.I am Fan of Flex associated with Monzo Reviewed on: 3rd March 2023

AMAZING MONZO!

Absolutely LOVE this product! I currently have a credit card which I am paying off the old fashioned way but with Flex I have been able to use this to help me and the monthly payments are manageable at what I set myself....Also interest free option for 3 mths which refreshed again once you've paid it off! What's not to love! A few traditional banks could learn a thing or two from this company! Reviewed on: 3rd March 2023

Easy to use

Love how easy flex is to use! Love that you have to option for 0% interest over 3 months or longer term with interest. Easy to pay off early as well Reviewed on: 3rd March 2023

Best Banking app by far

Loved my savings, debit transactions, credit card of choice and overall best experience Reviewed on: 3rd March 2023

Monzo Flex is so much clearer

Finally, a credit product which is easy to understand, up front about fees, and clear. Reviewed on: 3rd March 2023

I believe this is the one and only true BNPL.

BNPL is getting traction a lot nowadays amid inflation. The only topmost reason among many I use Monzo flex is its true to its nature ie the first installment is not due at the time of purchase but at the end of the month. This means you don't have to fork out the first installment right at the time. I don't think I know other BNPL options that does this. Huge thumbs up to the Monzo flex team for this feature. Reviewed on: 3rd March 2023

Couldn't be simpler or more useful

Flexing any payment is a breeze even if you don't use the dedicated card number they give you for it. Having the choice to pay early in part or in full really helps with variable income. It's always clear how much you owe and how much your next installment is. They even gave the option for a couple of longer term options, still interest free. Reviewed on: 3rd March 2023

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Initial Credit Card
from Barclaycard 3.99 from 118 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.03 from 13 reviews
Cashback credit card
from Lloyds Bank 4.78 from 9 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 4 reviews
Savings
from Monzo 4.97 from 201 reviews
Under 16s account
from Monzo 4.96 from 501 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub