Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.9 (3174 reviews)

View other Monzo products

4.90

Based on 3,174 reviews, last reviewed 13th May 2026

77% 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

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

Monzo Flex Purchase credit card reviews (3174)

Monzo Flex does the job

Excellent facility that makes my other accounts redundant. Love the ability to control how I pay. What I want, when I want it. First class revolving account. Reviewed on: 3rd March 2023

The for the new age

Monzo app by far the biggest innovation for the best user experience in mobile banking. The ease of use and intuitiveness is like of no others Reviewed on: 3rd March 2023

Flex is powerful

Flex is a powerful tool with significant consumer control. Early feedback was clearly listened to and it has become an excellent product Reviewed on: 3rd March 2023

Very nice user interface

Monzo flex Is great! The user interface makes it very easy to see what l owe, make payments and see when my next payment is due. I can also make a purchase and if l decide later on l want to finance my payment l can and my money gets instantly returned to my account and I can pay it off in instalments. Reviewed on: 3rd March 2023

Monzo is the best

Monzo is the best online bank out there. I’d highly recommend Monzo Plus, as well, due to the added benefits you receive with it. Reviewed on: 3rd March 2023

Simple and easy to use

Monzo Flex is a fantastic feature that provides you with a flexible way to pay for purchases. So simple to use and you get to select the number of payments and will even tell you if you will have to pay any interest on the payment plan you select. Would highly recommend! Reviewed on: 3rd March 2023

Split large expenses

Flex is perfectly suited to splitting large purchases down in to smaller monthly payments. Monzo are clear exactly how much interest you are paying and you can see in real time how early and larger payments reduce the interest. It's fantastic way to use credit in a controlled way. Reviewed on: 3rd March 2023

Great bank

I love monzo such a great bank i love that if you outside the country you can use it and the flex is amazing Reviewed on: 3rd March 2023

A must have for everyone in the current cost of living crisis

It’s brilliant, I have access to interest free spread out payments for wherever I need. I now also have a card so it can be used in store as well as online. It has become a life saver when things have been a bit tight. I also like that I can pay off chunks / the full amount early. Reviewed on: 3rd March 2023

Great bank, great app

Excellent bank. Have recommended to a number of family and friends. Can have individual saving pots, split bills etc. it makes it very easy to manage money 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

Platinum credit cards
from Barclaycard 4.06 from 324 reviews
Gold Credit Card
from American Express 4.52 from 25 reviews
Overpay
from Incredible 4.19 from 5 reviews

Want to see more from Monzo?

Under 16s account
from Monzo 4.89 from 944 reviews
Investments
from Monzo 4.86 from 1134 reviews
Current account
from Monzo 4.85 from 19407 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