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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2946 reviews)

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4.97

Based on 2,946 reviews, last reviewed 13th Feb 2026

43300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Great service great rates and is a life saver on man... Great service great rates and is a life saver on many occasions Reviewed on: 13th February 2026

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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 (2946)

Flex is the best BNPL

Flex is the best BNPL it is the most responsible BNPL out there Reviewed on: 15th February 2023

Flex is the best BNPL service

Monzo offers the best BNPL service Reviewed on: 15th February 2023

Changed my relationship with borrowing for the better!

Monzo Flex is wonderfully designed and has made the cost of borrowing much clearer than traditional credit cards. I also know exactly how long it will take me to repay what is outstanding and this has made it so I borrow more responsibly. It's flexibility is unbeaten with me being able to pay overtime for past purchases as well as new and I have found the ability to overpay and know how much interest I will be saving to be immensely helpful and encouraging sensible use of credit unlike other cards. A game changer! Reviewed on: 15th February 2023

Flex is what all credit cards should offer

Flex is such a great customer product. From clearly illustrating how to use flexible credit for purchases it has empowered me to be in control of my finances. Reviewed on: 15th February 2023

Flex is the way forward

Such a great concept and it has been delivered in a way that has the end user in mind. Can't fault it! Reviewed on: 15th February 2023

Great

Very good product - thank you Monzo. Reviewed on: 15th February 2023

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