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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)

Amazing

First bank I have had in the UK that listens to your ideas and actually implement it. The monzo flex is pretty wholesome and notification…Pheew absolute life saver Reviewed on: 3rd March 2023

Monzo Flex

A great financial product innovation. I was accepted for this product, and it has enhanced my banking relationship with Monzo. I would highly recommend this bank to all my friends and associates. Reviewed on: 3rd March 2023

Banking made easy

Everything I want to do with banking, I can do through the app, and it keeps getting better Reviewed on: 3rd March 2023

Absolutely life changing

I have never managed my money so well Reviewed on: 3rd March 2023

Best banking ever

I am new to the UK and till now have banked with numerous banks but I have to say banking has never been so smooth and amazing, and they irony is Monzo is able to deliver such an amazing experience by digital only means. I am chuffed. Reviewed on: 3rd March 2023

Excellent product execution

Flex has changed the scene with its BNPL built into the current account experience. I have been able to feel more safe and confident when using credit with enough time to pay things off based on my circumstances with a gene round free interest period and a lot of support to pay things early if I am able and have help if I struggle to pay it off. I would definitely recommend Reviewed on: 3rd March 2023

Monzo the best!

The best bank, most convenient, better than the big players to say the least. Flex is hands down the best thing I have used. Reviewed on: 3rd March 2023

Very helpful for my money management

Monzo has helped me with my money management. Monzo flex has meant I do not need a purchase credit card and has helped me stop using things like Klarna. Reviewed on: 3rd March 2023

What an amazing thing flex is

It’s so good you can use it for most payments amazing for cash flow Reviewed on: 3rd March 2023

Flex helps you out when in a tight spot

With everything going up, flex helps you when you need that extra boost to the month so you can buy your weekly food. Reviewed on: 3rd March 2023

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