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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)

The Most intuitive user-Friendly Bank That Exists.

MONZO has completely turned the banking world around. MONZO FLEX is innovative, forward-thinking, but also responsible at the same time. It has been a complete game changer having a MONZO/FLEX account. I would highly recommend it. Reviewed on: 3rd March 2023

Pretty much idiot proof!

It’s so easy to get flex set up, to make a purchase and have finance that is easy to understand and in plain English. Monzo even send you reminders when your payment is coming up so there’s no surprises. Flex helps with those purchases that I can’t afford out right and let’s me spread it out to suit me. Reviewed on: 3rd March 2023

Easy and manageable account

very easy account to manage, you are in total control of this account and is easy to keep a eye on your balance and payments. Reviewed on: 3rd March 2023

Flex changes the way I manage credit!

Monzo Flex makes life easier when unexpected bills drop! Ability to split it, within your own bank helps spread the impact of the unexpected Reviewed on: 3rd March 2023

Phenomenal creation

I use flex extensively throughout the month to plan out long term spending and ensure I have the funds to cover everything in this time of soaring costs. I can honestly say, this product changed the way I handle money and got me out of many bad habits by allowing me to feel in control of my spending for the first time since having a bank account. Reviewed on: 3rd March 2023

Flex them all

As a person who doesn't want a credit card and finds interest free credit agreements a pain flex has been a god send. Very quick and easy to use and I love that it's always interest free if going for 3 months Reviewed on: 3rd March 2023

An Absolute Dream

Monzo Flex is great, I’m not sure what I’d do with out it. Reviewed on: 3rd March 2023

Why was this not invested before!

Flex is so much easier, clearer, flexible and fairer then using a standard credit card, allow me to be able to pay for those purchases how I want with the ability to increase the length of time if the coming month(s) are tighter than expected! - Amazing innovation a must win - Good Luck! Reviewed on: 3rd March 2023

Monzo is the new world for simplicity

Ever since I started banking with Monzo in November 2016, I have not had to waste time queuing up in a bank. The way they have set up the app is so intuitive that even technophobic people can carry out their banking needs with ease. I love the fact that you can set up interest bearing savings pots from the comfort of wherever you have a secure internet connection and not have to sign paperwork etc which historically were written in degree level English is microscopic print. My brother and my nephew also bank with them as a result of my excellent stress free experiences. Reviewed on: 3rd March 2023

Vasile Bondaret

Its the Best Monzo Bank Reviewed on: 3rd March 2023

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