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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)

A great er, flexible product with the Monzo flair

Flexing anything from two weeks prior is amazing, helps in those tricky end of month moments. Also the Flex virtual card that you can use practically anywhere is excellent. Reviewed on: 16th February 2023

Credit card with flexible payments

Being able to split any purchase with 0% over 3 months is great. Not worried about any surprise bills / purchases Reviewed on: 15th February 2023

Flex is the best BNPL

Flex is the best BNPL it is the most responsible BNPL out there Reviewed on: 15th February 2023

Flex is the best BNPL service

Monzo offers the best BNPL service Reviewed on: 15th February 2023

Changed my relationship with borrowing for the better!

Monzo Flex is wonderfully designed and has made the cost of borrowing much clearer than traditional credit cards. I also know exactly how long it will take me to repay what is outstanding and this has made it so I borrow more responsibly. It's flexibility is unbeaten with me being able to pay overtime for past purchases as well as new and I have found the ability to overpay and know how much interest I will be saving to be immensely helpful and encouraging sensible use of credit unlike other cards. A game changer! Reviewed on: 15th February 2023

Flex is what all credit cards should offer

Flex is such a great customer product. From clearly illustrating how to use flexible credit for purchases it has empowered me to be in control of my finances. Reviewed on: 15th February 2023

Flex is the way forward

Such a great concept and it has been delivered in a way that has the end user in mind. Can't fault it! Reviewed on: 15th February 2023

Great

Very good product - thank you Monzo. Reviewed on: 15th February 2023

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