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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)

AMAZING MONZO!

Absolutely LOVE this product! I currently have a credit card which I am paying off the old fashioned way but with Flex I have been able to use this to help me and the monthly payments are manageable at what I set myself....Also interest free option for 3 mths which refreshed again once you've paid it off! What's not to love! A few traditional banks could learn a thing or two from this company! Reviewed on: 3rd March 2023

Easy to use

Love how easy flex is to use! Love that you have to option for 0% interest over 3 months or longer term with interest. Easy to pay off early as well Reviewed on: 3rd March 2023

Best Banking app by far

Loved my savings, debit transactions, credit card of choice and overall best experience Reviewed on: 3rd March 2023

Monzo Flex is so much clearer

Finally, a credit product which is easy to understand, up front about fees, and clear. Reviewed on: 3rd March 2023

I believe this is the one and only true BNPL.

BNPL is getting traction a lot nowadays amid inflation. The only topmost reason among many I use Monzo flex is its true to its nature ie the first installment is not due at the time of purchase but at the end of the month. This means you don't have to fork out the first installment right at the time. I don't think I know other BNPL options that does this. Huge thumbs up to the Monzo flex team for this feature. Reviewed on: 3rd March 2023

Couldn't be simpler or more useful

Flexing any payment is a breeze even if you don't use the dedicated card number they give you for it. Having the choice to pay early in part or in full really helps with variable income. It's always clear how much you owe and how much your next installment is. They even gave the option for a couple of longer term options, still interest free. Reviewed on: 3rd March 2023

Easy as pie

Super helpful to quickly and easily flex a payment, interest rates and full cost is clear up front and it couldn't be simpler to use the card both online and in store! Reviewed on: 3rd March 2023

Easy flex

This is an amazing feature, made even better now you don't need to cover the first payment. Quick and easy and can see everything in the app so you know where you are. Reviewed on: 3rd March 2023

Brillant simple and effective product

What more can I say the product is faultless so simple to use, flexible and provides everything I need! Reviewed on: 3rd March 2023

10/10 would recommend

I love using Monzo everyday. Helps me keep track of my bills and savings too! Reviewed on: 3rd March 2023

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