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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)

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

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

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