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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)

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

Super nice!

Easy to keep under control. accessible, safe! Reviewed on: 3rd March 2023

Easy. Friendly. Modern day banking

Honestly the easiest banking app going. From tracking bills to even splitting them with friends and family. I love the fact I can send request links to be paid by non Monzo users. I enjoy Flex Reviewed on: 3rd March 2023

Love it!

Good for managing funds between paydays Reviewed on: 3rd March 2023

Brilliant, simple and intuitive

Just brilliantly done, all simple through the app. Reviewed on: 3rd March 2023

Modern and simple

It’s an app based bank where everything it’s plain and simple. There’s no hidden elements and you never need to search. Just your money in your account in front of your own eyes. Flex- buy now pay later is simple and effective. It’s in the same app with no hidden details. Reviewed on: 3rd March 2023

Flexible, human-friendly

The most human-friendly bank I’ve ever dealt with. Pay off early / pay off extra / clear interest rates … everything you could want from a loan provider and more. Transparent and honest, rare in the given climat. Reviewed on: 3rd March 2023

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