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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)

Amazing Bank, Easy to use and understand!

Monzo has been an amazing bank that’s really easy to use. They offer a lot of help in app and consider helping a lot of people by offering credit to help such as Monzo Flex Reviewed on: 3rd March 2023

Monzo is class

Monzo is a serial winner, good at everything it does for banking. Reviewed on: 3rd March 2023

Modern, user friendly, lots of cool features

Monzo is very up to date with the requirements of modern spenders. The ability to follow transactions and pool together similar transaction types, show much much has been spend in total at one particular retailer or send to one particular friend make spending habits easy to follow. Account lots make it easy to save and spend. Monzo Flex is a great alternative to a credit card if you want to spread your purchase over three months. Reviewed on: 3rd March 2023

Finally a bank that thinks like me!

I like to plan, I like to be able to separate my money and when times are tight I love flex! The ability to control how much interest I pay, pay back early and spread the cost without the fear of hefty loan repayment fees is wonderful. Thanks monzo! Reviewed on: 3rd March 2023

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

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