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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)

Best bank by far!!

Such an amazing feature, love that it’s completely customisable! Reviewed on: 3rd March 2023

Love it!!!!

Monzo flex is great. The new features they added is amazing. Low interest on 6+12 months payments and the occasional offer for no interest on those payments. Would and have recommended it to family and friends. App is so easy to use as well so able to see exactly what you have flexed and how much you owe at the end of each month. Reviewed on: 3rd March 2023

Great!

Great product all around. Easy to use and understand the charges with a lot of flexibility on how to repay. Reviewed on: 3rd March 2023

Easy banking

Monzo is super easy, really enjoy the split bill feature, round up pot and also pots for specific bills. I’ve got adhd so budgeting is really difficult for me and monzo is a good tool for steering my spending. Whenever I’ve needed help, customer service have been super quick to reply and are helpful. Reviewed on: 3rd March 2023

Since came to London, I'm a Monzo fan!

It's perfect! Since I walked in (2019) I've been surprised several times: Monzo keeps improving the facilities you have on managing your money. I have accounts with Barclays, HSBC, Tesco, etc and no one compares with Monzo. No one keeps improving like Monzo does! Keep up the good work! Reviewed on: 3rd March 2023

Best in class

Comparing 6 banks I used - none stands even close in terms of UX, usability and customer journey Reviewed on: 3rd March 2023

Easy and great to gain control

Fantastic bank. Revolutionised banking for me!! Saving money, checking my finances. Unbelievably easy and couldn’t recommend more highly Reviewed on: 3rd March 2023

Everything you need in one place.

I have been using monzo for a long time, it love the intuitive feel to the app. The ability to have pots and sort your salary has changed the way I save and think about money. I’ve got my whole family onto monzo Reviewed on: 3rd March 2023

Financial flexibility that frees up finances

Flex has been a great addition to our lives, whether providing the breathing space for addition of our daughter into our lives or allowing us to travel on our first family holiday, flex is a must have for all young families in light of this cost of living crisis. Reviewed on: 3rd March 2023

The best Bank with multiple faculties

I have been having. A great experiences with this bank with no technical issues no customer services issues about all its the bank that I deal with thanks Monzo Reviewed on: 3rd March 2023

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