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Monzo: Flex Purchase credit card reviews

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

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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

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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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

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

flex

They applied good money saving methods that help save money in the long term, the saving system and adding other banks and mobile payment has been made very easy thanks to Monzo. Reviewed on: 3rd March 2023

Best bank ever

I will recommend this to everyone , because none of the bank never give the opportunity to pay back the amount in 3 months without charging any interest, so helpful. Reviewed on: 3rd March 2023

A modern bank where everything is clear

An outstanding company that have always done the best with my money, and continues to innovate to provide new features. The Flex feature is easy to use and everything is clear Reviewed on: 3rd March 2023

Easy, straightforward budgeting

Absolutely love Monzo, but particularly Flex. It’s easy to use, simple to understand and means I can control how/when I use and repay anything I’ve flexed. Reviewed on: 3rd March 2023

Simple, Intuitive Design

The flex feature is laid out as if a person using it has actually designed it. No jargon, just simple and easy to use. Reviewed on: 3rd March 2023

So glad I found Monzo

I've been with Monzo since 2018 and have loved every minute of it. The app has amazing features and customer service. It's my go-to for budgeting and lets me have fun with banking! Reviewed on: 3rd March 2023

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