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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 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

A reliable way to help spread an unexpected cost

Recently one of my pets was incredibly ill and we had to go to see an emergency vet. As you can imagine that cost an arm and a leg that I wasn't ready for, but this helped to spread that cost across a generous period with no interest. Reviewed on: 3rd March 2023

Real and flexible banking

Monzo Flex is an original step forward for consumers and highlights the pro-customer attitude Monzo holds. When Monzo Flex was launched, all my other banks suddenly offered a similar service but with half the functionality Monzo offers! Monzo really helps those months where you have a lot going out (Christmas and New Years, with birthdays and valentines around the corner!) without making you go through a gruelling process to be accepted for a credit card. Monzo Flex is the best innovation to a banking app I have seen in a long time with its implementation completed to such a high standard, and I expected nothing less than that from them. Thanks Monzo for always looking forward and after your customers. Reviewed on: 3rd March 2023

Flexible money

Flex helps me balance those bigger purchases over 3 paydays. The ability to pay in full or split it really helps to ensure I am in Control. It so much better than any credit card Reviewed on: 3rd March 2023

Excellent bank and service

Cannot fault monzo. Would choose them over any other bank Reviewed on: 3rd March 2023

Amazing feature and constantly improving

Have used this feature more times than I can count for those purchases that are a but process but you could cover over a plan. Haven't paid a penny of interest and the deferred payment is another brilliant feature! Reviewed on: 3rd March 2023

Never lets me down

This bank never lets me down , Monzo flex is first class and works well for my lifestyle . I highly recommend this bank for your everyday needs .You won’t be disappointed Reviewed on: 3rd March 2023

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