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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3189 reviews)

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4.90

Based on 3,189 reviews, last reviewed 3rd Sep 2026

87% 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 and zero interest and very easy to sho... Very flexible and zero interest and very easy to shopping online and store Reviewed on: 3rd September 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 (3189)

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

The best perk of Monzo!

Monzo flex is the best addition to the already incredible Monzo bank. It easily allows me to flex payments over the last 2 weeks and let’s me use it online to stay safer. It integrates perfectly with the app. Couldn’t recommend enough! Reviewed on: 3rd March 2023

Flexible

Easy to use and able to send me to places Reviewed on: 3rd March 2023

Flex

Monzo flex helps for those who do not have similar product such as PayPal credit or klarna with the possibility to divide payments into 3 6 or 12 with grate rate. A great addition to my favourite bank system since arriving in the UK 9 years ago. Reviewed on: 3rd March 2023

A Bank that cares

Monzo has made it a lot easier for me to both manage and effectively use My money. The customer service is fantastic too, they always resolve any problem I have and were very considerate when I explained physical problems I had and how it effects me using my finance's; they provided good recourses to help with this. Reviewed on: 3rd March 2023

Using my Mozo flex is so easy

The flex feature in my monzo app is so easy to use and it's really convenient for me because its has save me many times It's so simple it's a no brainer and the best in my opinion. Reviewed on: 3rd March 2023

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