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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)

Amazing service

Highly recommend Monzo and there flex service, helped me out when I need that extra but if money for purchases Reviewed on: 3rd March 2023

Ingenious

Monzo flex gives flexibility and room to wiggle anything without tying yourself down to unwanted credit and interest payment Reviewed on: 3rd March 2023

Would highly recommend

This is the beast bank I have had would highly recommend Reviewed on: 3rd March 2023

Ahead of the game right now!

Just a very simple, no nonsense, straight to point bank! Very much ahead of the game right now. A lot of their competitors are playing catch up, trying to mimic features and services offered by Monzo. It’s true when they say imitation is the best form of flattery. Monzo offer quality products and features such as Premium and Flex which have honestly changed my life. Monzo has transformed the way I bank and I can say without a doubt, the services and features offered to me are relevant and help me to take full control of my finances. Monzo have revolutionised mobile banking for the better! Reviewed on: 3rd March 2023

Good

Very easy and flexible And good customer service Reviewed on: 3rd March 2023

Simple. Easy. Transparent.

A great way to budget a larger purchase without reaching for a credit card. Simple to use, transparent to understand what you’ll pay back, and easy instalments, or pay back early to reduce interest. Brilliant. Reviewed on: 3rd March 2023

The new way to credit card!

The clue is in the name ‘Flex’! I feel in way more control with this card versus a traditional credit card. I can choose the exact amount of breathing space I need and as a result, I haven’t missed a payment. Reviewed on: 3rd March 2023

Wayyyyy ahead of the game.

Although Monzo and Monzo flex might be considered “late to the party”, they have clearly been miles ahead of the pack. I’ve witnessed my other banks literally try to keep up with the features Monzo offers, the customer service, transparency of my account and powerful tools are just amazing and that’s why Monzo is my main bank account. I love it! Reviewed on: 3rd March 2023

Super

.................................. Reviewed on: 3rd March 2023

Amazing feature that lets me take more control

Flex from Monzo has been a game changer in helping me to manage my money. It means that if I am a little shorter in that month, and have spent money on something earlier in the month, I can get the money back for the mean time and start paying it next month when I can put it in that months budget. Amazing feature I now can’t live without! Reviewed on: 3rd March 2023

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