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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)

Excellent Bank

Fantastic professional service at all times. Reviewed on: 3rd March 2023

Monzo is easy to use, has good features and is a must have

Monzo! Where do I start the app works with ease and the flex feature has been a lifesaver. I’ve found creating pots useful to help budget and save which has made my banking more convenient. Monzo has been a positive addition to my financial life, and their commitment to innovation and user-friendliness has helped them stand out in the banking industry. Reviewed on: 3rd March 2023

Bank of the 21st century

Everything about Monzo is so easy - all done from one app which easy to navigate, update details, get your statements, send money. My favourite aspects are the savings pots you can use for bills to come out of so you can put your monthly spends aside every month and forget about them because Monzo takes care of it. Monzo flex is great, easy to use and handy for your more expensive purchases or when you’re a little strapped. Would highly recommend to anyone looking for a bank in the 21st century, Reviewed on: 3rd March 2023

all banking in one place

Absolutely love it. The best banking app with all its features I've ever had an opportunity to use. Honest and clear banking. Reviewed on: 3rd March 2023

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

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