Write a review

Newsletter

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

View other Monzo products

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

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.

Write a review

Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

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

Very helpful

I cannot believe a bank is so helpful and flexible with its customers, it has been such a relief and so helpful. Reviewed on: 3rd March 2023

Fantastic bank

Monzo is a wonderful bank, full of innovation. It is banking made easy, the flex feature is a amazing and helps me to budget larger purchases. Reviewed on: 3rd March 2023

Flex

I can’t get enough of Monzo they are excellent. The flex is brilliant little gem of 3 months interest free Reviewed on: 3rd March 2023

Great bank

Easy to use and easy to speak to someone if you need! Reviewed on: 3rd March 2023

Couldn't live without it

Flex has been saving my bacon for a couple of years now - its one thing that it works, its another that its so simple to use and manage. Its why i'd choose monzo over anything else! Reviewed on: 3rd March 2023

Outstanding

Best bank I've ever used, customer service 2nd to none Reviewed on: 3rd March 2023

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Card
from thinkmoney 4.03 from 3 reviews
Credit Card
from Bank of China (UK) 4.12 from 2 reviews
Clarity credit card
from Halifax 3.62 from 271 reviews

Want to see more from Monzo?

Under 16s account
from Monzo 4.89 from 945 reviews
Investments
from Monzo 4.86 from 1146 reviews
Current account
from Monzo 4.85 from 19429 reviews

View all products

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

News, guides and insight from our team

View resource hub