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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)

Great feature

Really useful function, especially being able easily see balance, pay back and upcoming payments shown in your committed spend. Reviewed on: 3rd March 2023

Excellent

Monzo Flex is the best ever! It is very easy to use and it make it so simple to pay off extra or pay instalment early! I totally love it! You even save so much when you pay off extra, and now with the physical card it is faboosh! Well done Monzo Reviewed on: 3rd March 2023

SuperFlex

Is the Best in the WORLD and i Travel alot tx to monzo Reviewed on: 3rd March 2023

Best Bank Around

Best new generation bank I’ve been with, great evolving app. And friendly customer service. Reviewed on: 3rd March 2023

Very helpful innovation.

Can't say much but this innovation from Monzo helped me a lot in different ways. Requests and inquiries regarding Monzo Flex is taken seriously and actions done in a timely manner as well. Great job Monzo for creating Monzo Flex! :) Reviewed on: 3rd March 2023

Best credit card

Always there when I need a little extra or if I just want to pay in 3 interest free payment Reviewed on: 3rd March 2023

Easy and intuitive

Monzo Flex allows me to be flexible when I’m going to go slightly over my limit. It allows me to do it interest free (over 3 months) and it’s easy to pay off early. Reviewed on: 3rd March 2023

Great service

Simple, easy to use. Prefer this service to any other bank Reviewed on: 3rd March 2023

Safe to use and easy app to navigate

I like the way Monzo team responds so quickly to concerns raised by its customers. For instance,someone nearly hacked my account after sending me a text from ‘nhs’. My account was frozen and card blocked as soon as I raised the issue. I received a new card in less than a week and account transactions continued normally Reviewed on: 3rd March 2023

Plus

Excellent Easy to access the account Reviewed on: 3rd March 2023

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