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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)

amazing budgeting bank

They are very good for budgeting however i’ve noticed that sometimes the notifications and the app layout being very focused on balance can be more stressful than good as i notice it go down more compared to other banks i have Reviewed on: 3rd March 2023

Monzo is the bank I always imagined!

I have been using Monzo for a long time now, and I can for sure say that it’s one of the best banks, my personal favourite is the integration with Wise for international transfers! Reviewed on: 3rd March 2023

Absolutely goated

Great app, useful features, friendly and helpful support. What’s not to love. Reviewed on: 3rd March 2023

So innovative

The best bank there is! Always innovating and helping people do more with their finances. Reviewed on: 3rd March 2023

Amazing. Best bank ever

I have been with Monzo for years now. They are the best bank to go with. Highly recommend Reviewed on: 3rd March 2023

Simple and useful BNPL

A clear and simple BNPL credit card with decent interest rates and 3 payment interest free period. Reviewed on: 3rd March 2023

Best bank

It’s been a smooth ride with MONZO, never experienced difficulties accessing funds or my money. They are the best online bank out there Reviewed on: 2nd March 2023

First time loan for an immigrant freelancer

Monzo is the first bank that allowed me as an immigrant freelancer to take a loan like that and split my payments over time. Thank you! Reviewed on: 2nd March 2023

Flex is flexible

Flex is super flexible and helps me manage spending, especially a few days before pay day! Reviewed on: 2nd March 2023

Spreading the cost

Flex allows you to spread the cost of the more expensive purchases it’s brilliant well done Monzo a forward thinking bank Reviewed on: 2nd March 2023

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