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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)

Best account management

Of all the banks monzo makes it the easiest to understand and manage your finances and borrowing. Reviewed on: 3rd March 2023

Monzo is reinventing banking for the better

I honestly can't think of a better bank to be banking with. Takes minutes to set up an account, it's filled with features that rival other high street banks and Monzo Flex is a game changer. Being able to flex yearly payments or even your local shopping over 3 months gives you peace of mind, who needs credit cards when you've got Monzo. Reviewed on: 3rd March 2023

Monzo Flex is Revolutionary

Mozno flex has introduced a new way of banking! It has allowed got better cash flow management and its simplicity allows for easy use. I only use monzo flex now and it is the best thing since sliced hread! Reviewed on: 3rd March 2023

The way credit cards should be done!

Monzo Flex is a cool product that many people like to use to manage their money. It's flexible, has lots of useful features, and the customer service is great. This makes it a good option for people who want a modern and digital banking experience. Reviewed on: 3rd March 2023

No Brainer

Break down payments over-time. I personally use it to break up big purchases and then keep the money in my savings pots to earn Interest until it’s time to pay make re-payment. :) Reviewed on: 3rd March 2023

Handy extra

I got monzo flex on a whim but I’m so happy I did. It’s made life easier when it comes to big purchases. It’s easy to track my payments and if I want to pay off early I can do! Reviewed on: 3rd March 2023

Monzo is a financial backbone

Hi, Myself Thirumoorthi Arumugam. I am an analytical development scientist in bristol laboratories ltd, England. I just opened a bank account in monzo on 2021 January. I thought bank is just for money savings money transferring platform for everyone without any partiality. But monzo account proved and made me healthier stronger mentally and physically. I didn’t dependent anyone even my family members but Whenever I struggled financially monzo gave his hand as support.!!! I have got loan when I was in very poor financial status and I used that money for my brother wedding function in india. And again, I got monzo flex for my purchase and it made my shopping easier and flexibly.!!! And I have got overdraft , I felt very happy to stay with monzo coz all the bad situations monzo was very helpful.!! And I paid my all university fees with the help of monzo .!!!! Monzo, it’s not just a bank it is a very supportive financial organisation for all the people who is really needed support.!! Thank you monzo I love you Reviewed on: 3rd March 2023

Brilliant

Brilliant idea from a brilliant bank. It's like Klarna, but more flexibility and no check every time Reviewed on: 3rd March 2023

Innovative! Daring! Excellent! Inspiring!

I've come to rely a lot on Monzo Flex and as someone who spent over a decade in banking, Monzo Flex's approach to credit and the ever competitive BNPL industry is something which many have been unable to clinch - competitively sustainable and innovative. It is convenient, transparent, innovative, engaging and changes the rhetoric around banking. I can't imagine a more inspiring product and wholeheartedly recommend their bravery in sticking to their approach. Reviewed on: 3rd March 2023

Very helpful account to manage credit affordably

I set up my Monzo flex account before Christmas to help manage spending over the Christmas period. The flex account allowed me to spread my credit payments over 3 months interest free, or over longer periods with interest. The app makes managing this so simple, and I can clearly see the breakdown of all my purchases into monthly payments. Reviewed on: 3rd March 2023

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