Smart Money People Logo
Go to business site
Share this page
Link copied

Monzo: Flex Purchase credit card reviews

View other Monzo products
4.97
Based on 3,055 reviews, last reviewed 11th Mar 2026
53900% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
98%
See only 4 star reviews
2%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Excellent I have a very good experience with Monzo excellent service and great support Reviewed on: 11th March 2026
Marius 's avatar
Marius

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
JN's avatar
JN
Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Monzo Flex Purchase credit card reviews (3055)

Flex is the best BNPL service

5
Monzo offers the best BNPL service Reviewed on: 15th February 2023
David Walton's avatar
David Walton

Changed my relationship with borrowing for the better!

4
Monzo Flex is wonderfully designed and has made the cost of borrowing much clearer than traditional credit cards. I also know exactly how long it will take me to repay what is outstanding and this has made it so I borrow more responsibly. It's flexibility is unbeaten with me being able to pay overtime for past purchases as well as new and I have found the ability to overpay and know how much interest I will be saving to be immensely helpful and encouraging sensible use of credit unlike other cards. A game changer! Reviewed on: 15th February 2023
B's avatar
B

Flex is what all credit cards should offer

5
Flex is such a great customer product. From clearly illustrating how to use flexible credit for purchases it has empowered me to be in control of my finances. Reviewed on: 15th February 2023
Andyg68uk's avatar
Andyg68uk

Flex is the way forward

5
Such a great concept and it has been delivered in a way that has the end user in mind. Can't fault it! Reviewed on: 15th February 2023
Matt's avatar
Matt

Great

5
Very good product - thank you Monzo. Reviewed on: 15th February 2023
Peter's avatar
Peter

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill