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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)

Monzo Flex is a life changer

Monzo flex has been such a great way to manage expenses between pay days when something unexpected happens. Compliments all the amazing budgeting features. Reviewed on: 3rd March 2023

Saving me money daily!

Monzo flex has helped me manage my finances and make those necessary large purchases without getting stung with interest. Being able to space out unexpected costs over three months interest free have been a lifesaver. Also, very useful when buying something for a group when I haven’t been paid back yet, I can make the payments as I receive the money from each person. Highly recommend! Reviewed on: 3rd March 2023

Flex your finances!

Monzo flex gives you an easy way to spread your costs, 3 months is always interest free, a small interest on anything longer. Use it like klarna for large payments only, or treat it like a credit card by setting it up as your default payment method on everything - all up to you! Reviewed on: 3rd March 2023

I use it oversees

Great service good credit limit, I recommend it. It has 3 month’s interest free Reviewed on: 3rd March 2023

Saved me more than once

On a few occasions I have needed the flexibility to spread costs out or pay a bit later and Monzo's smart banking has really impressed me and helped me manage my money and spending. Reviewed on: 3rd March 2023

Financial innovation

After a long time we see such innovation in retail financing space. This is so handy. So clear and transparent. I use it for all my small and big purchases. Very easy to keep track of spending. Thanks to monzo for such a wonderful product. Reviewed on: 3rd March 2023

Monzo flex has been so helpful

Flex has really helped me save money these past few months, and has also helped us to organise expenditure in the run up to our wedding Reviewed on: 3rd March 2023

Monzo flex is the best

Monzo flex has helped me a a lot its is better than your everyday credit card and better to maintain and keep. Reviewed on: 3rd March 2023

Best thing ever

Imagine klarna without the greed. Flex is like that but simpler with better customer service. I use it regularly and don’t know what I’d do without it Reviewed on: 3rd March 2023

The bank that just gets it!

I couldn’t be more complimentary about Monzo as a bank account. It is easy to use, full of personality and works for you! I love the varying levels of accounts you have access to, the additional extras you can bolt on and how it gives you the ability to manage your finances your way. Monzo Flex is a great addition to their range, it keeps the buy now pay later in-house and avoids setting up with an additional lender. Fantastic experience so far! Reviewed on: 3rd March 2023

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