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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)

Good online bank

After all my towns banks closed and covid hit i was moved to online payment, monzo was there and ready in literally minutes. no complaints, flex is amazing. Reviewed on: 3rd March 2023

Best Flex Credit Feature

Love the way monzo lets you BNPL (used as a credit card feature). Great that Monzo are staying ahead of other banks and staying relevant! Keep up the great work . Reviewed on: 3rd March 2023

Brilliant service! 5****

Monzo flex is THE best! Very handy and easy to use. I've recommended it to everyone I know. Reviewed on: 3rd March 2023

Smart banking

Not often banks create something new that actually works. Hats off to the Monzo team, Flex is an awesome product it takes banking to the next level. Reviewed on: 3rd March 2023

End of the month lifesaver

Monzo flex is great for spreading out some of the payments towards the end of the month so you don’t go overdrawn before payday arrives. Reviewed on: 3rd March 2023

I would absolutely recommend monzo to everyone because it has easy banking and lots of features available

I can split the bills and pay easily the transactions are fast never delayed and never had a problem with banking. Overall absolutely best bank. Reviewed on: 3rd March 2023

Monzo Flex - my flexible friend

I have been using Monzo Flex on the app since it was first introduced to customers, and find it really helpful for when I'm shopping either in store or online due to the number of instalments I can make in paying for items, and it's very handy being able to make additional payments on the app at any time I want, which is why, in the words of that Access card advert from the 80s, I call Flex my flexible friend. To make it even easier for me, when shopping, I recently received my Flex card, and then via the app, I select how many payments I want to make to pay for the item. Reviewed on: 3rd March 2023

A very quick and easy way to spread the cost of large expenses

It's really nice way to spread thr cost, other products like klarna and PayPal are not as available as monzo flex, since you get to flex past payments it allows you to go far beyond what other providers offer. it's on a different level Reviewed on: 3rd March 2023

Great customer experience and product

It’s been fantastic so far. Monzo provides everything I need for a digital bank. Their product experience is also the best! Reviewed on: 3rd March 2023

Amazingly Flexible!

I have had the most amazing experience with Monzo Flex. It is easy to use, intuitive and F-L-E-X-I-B-L-E. It’s simply been a life saver Reviewed on: 3rd March 2023

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