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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3189 reviews)

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4.90

Based on 3,189 reviews, last reviewed 3rd Sep 2026

87% 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 and zero interest and very easy to sho... Very flexible and zero interest and very easy to shopping online and store Reviewed on: 3rd September 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 (3189)

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

Best bank I've ever been with

I've had nothing but a pleasant experience whilst banking with Monzo, I'd recommend this bank to anyone and everyone Reviewed on: 3rd March 2023

An honest review

Monzo flex is an excellent addition to an already fantastic service. I cannot rate Monzo highly enough. From the innovative features such as flex, early payments and the general helpfulness and e the usual from the team, Monzo is the best banking service I have ever experienced. Reviewed on: 3rd March 2023

Amazing

Very easy to navigate and clear Reviewed on: 3rd March 2023

Best bank I've ever used

I love the ease of use. The ability to see future payments Ability to receive early salary payments Flex credit facility Sending payment requests without sending your bank details. Reviewed on: 3rd March 2023

Excellent Journey

My journey with Monzo, has been clear, explained, supportive, innovative, surprising, welcomed and made me feel like part of there journey which makes my journey easier, supported and enjoyable. No stress, varied products and always a journey in the right direction. Reviewed on: 3rd March 2023

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