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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)

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

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

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