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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2516 reviews)

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4.95

Based on 2,516 reviews, last reviewed 23rd Jan 2026

500% 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

Incredibly useful and flexible interest free facility. Incredibly useful and flexible interest free facility. Easy to manage and use. Reviewed on: 23rd January 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.

Monzo Flex Purchase credit card reviews (2516)

Review of the Monzo, Flex Purchase credit card:

Must have Credit Card!

I’ve been really impressed with Monzo Flex so far. One of the features I really appreciate is the flexibility to adjust the amount I want to pay each month. It’s a great way to stay on top of my finances without affecting my credit score, which gives me peace of mind. I also love how Monzo gives clear reminders before any money is taken out. It helps me stay organized and avoid any surprises. On one occasion, I unexpectedly missed a payment, but the customer service team was incredibly helpful. They guided me through using features in the app to make sure the missed payment didn’t affect my credit score. That kind of support really makes a difference. Overall, it’s a user-friendly and thoughtful service that puts you in control. Reviewed on: 14th April 2025

Monzo flex is very easy to use, I like the flexibili..

Monzo flex is very easy to use, I like the flexibility of the payment plan options whether you want to pay off earlier or extend the fees and interest are communicated in a clear, simple and informative manner. Reviewed on: 26th May 2025

Flex remains the most manageable credit card in the...

Flex remains the most manageable credit card in the market place providing clear oversight of purchases and repayments Reviewed on: 25th May 2025

There are a lot more people in there and they are go...

There are a lot more people in there and they are going on the same page as Reviewed on: 8th May 2025

Easy to use and manage finances.

Easy to use and manage finances. Best for budgeting if need flex credit card for big purchases or general day to day expenses. Reviewed on: 5th May 2025

The true meaning of Flex

Great transparency and very easy to manage and change agreements or pay off early with no guessing games Reviewed on: 2nd May 2025

The best experience for me .

The best experience for me . I really liked Reviewed on: 30th April 2025

I love Monzo Flex

I've enjoyed my experience with Monzo and love the recent updates they have done to be able to change the payment date and also pay off a little extra against each purchase, Reviewed on: 29th April 2025

Monzo Flex gives you the customer friendly visualisa...

Monzo Flex gives you the customer friendly visualisation to users which helps manage your finance. Not many credit cards have what Monzo has in terms of visualisation. Reviewed on: 27th April 2025

Easy to use.

Easy to use. Flex-ible. Convenient. Reviewed on: 27th April 2025

I love my Flex card.

I love my Flex card. Introducing 3 month’s interest free payments was a complete game-changer for me! Reviewed on: 26th April 2025

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