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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)

Very flexible

Nice and easy and clear so you know what you are paying, also can pay back extra without penalties Reviewed on: 3rd March 2023

Monzo helped me a lot

Monzo helped me a lot. You are giving a good banking experience in my life. I have never get such help anywhere else Reviewed on: 3rd March 2023

Quick, simple funds when you need them

Flex offers a line of adjustable credit on a short term basis that has proved very useful during uncertain times. From covering last minute train fares, hotel stays to suit purchases Flex has been invaluable Reviewed on: 3rd March 2023

Credit with little drawbacks

Simply put you know exactly how much interest, if any you owe at any given time. Also, from the get go it's made very clear how everything works. If you get into trouble using this, you've only yourself to blame. Reviewed on: 3rd March 2023

The best bank

I love monzo especially for traveling!! Everything is so easy with monzo, have recommended to friends and family and they all love it too! Love u monzo <33 Reviewed on: 3rd March 2023

Best user interface in any banking app

Very easy to use. Excellent customer support. Monzo paved the way for digital banking. Reviewed on: 3rd March 2023

I recommend monzo to everybody

Monzo is really good I originally got it because my boyfriend recommended to me and then I was introduced to flex. It really helps when paying for things to be able to spread it out Reviewed on: 3rd March 2023

Flex is the best

It’s a fantastic and easy way to spread the cost. Reviewed on: 3rd March 2023

Easiest mobile banking ever

I have had and only used Monzo since being able to open up a bank account and I have had no other reason to switch banks even with the many switching rewards out there. Monzo is seamless and easy. It’s a bank on the go and I get to customise it to suit my needs and financial goals. Reviewed on: 3rd March 2023

The best credit card.

It made my life easier, as I can better plan my expenses, organizing and reallocating medium-term expenses in the most convenient way and without compromising my financial life. Reviewed on: 3rd March 2023

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