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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

57% 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)

Does what it says on the tin

Monzo Flex is great, so easy to use and useful being able to spread a purchase over a few months interest free! Reviewed on: 3rd March 2023

I really feel like Ive been put first

Monzo flex is a brilliant product - I’ve used 5 other BNPL products and this one is by far the best - so easy to use, so transparent and of course incredibly flexible for finance. My favourite thing about it is how it’s integrated with Monzo trends and your debit card where you can flex almost anything you’ve already spent on. It’s very reliable and never had to suffer declines like I do with other credit companies. Love it and will keep using it Reviewed on: 3rd March 2023

My most used banking feature

Flex was amazing over Christmas for present buying and other large purchases to help spread the cost so easily Reviewed on: 3rd March 2023

Best bank app by far

It’s basically all I need from a bank app in a nice dressing. Budgeting, savings pots with interests and flex payment Reviewed on: 3rd March 2023

Really good service

I have used Flex many times, it really helps with those unexpected payments and is much easier to work out how much the credit will cost over the short term than a credit card. Reviewed on: 3rd March 2023

Really love the flexibility of flex

Flex is a nice credit facility that helps me manage my daily expenses and spread larger expenses over longer periods. I’d love to see Flex extend the from 1 year to 3 year credit financing Reviewed on: 3rd March 2023

Life changing

It has really changed the way I spend money. I just make purchases now and pay it off in full or in instalments next month, really helps especially when you have unexpected costs creeping up or a new video game gets released mid month :) Reviewed on: 3rd March 2023

Jail Breaker

Helps in both short and long term projects Reviewed on: 3rd March 2023

Just amazing

I’ve joined them as I was let down by my old bank and their app. Monzo just ticks all the boxes and offers so many features in the app. Just amazing Reviewed on: 3rd March 2023

Best FinTech

Everything you need to know about your money in one place Simply put, high street banks should take a few notes Reviewed on: 3rd March 2023

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