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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2517 reviews)

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4.95

Based on 2,517 reviews, last reviewed 3rd Feb 2026

600% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

A literal lifesaver A literal lifesaver, with more stability and reassurance than other companies that offer pay in 3 offers. So easy to adjust interest, pay off early, p... Read more Reviewed on: 3rd February 2026

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 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.

Monzo Flex Purchase credit card reviews (2517)

Review of the Monzo, Flex Purchase credit card:

Long time customer

Been with Monzo for a few years now and have had nothing but positive experiences Reviewed on: 26th March 2025

I love my Flex card.

I love my Flex card. Introducing 3 month’s interest free payments was a complete game-changer for me! Reviewed on: 26th April 2025

Monzo makes everything easy

Monzo makes everything easy to use and easy to understand, straightforward banking is what people want and Monzo offers that. Reviewed on: 25th April 2025

Monzo I want to work with you!

I’ ve been with monzo for over 7 years now, I just find it so reliable and simple. I moved all of my savings to them as I got a better interest than my other bank. I was given the opportunity to open a flex account a couple of years ago and that boosted my savings by giving me the flexibility to pay in instalments. Monzo its all my chosen card for travelling as they never charged any extra fees. The platform is simple and it works great. MONZO IF YOU ARE HIRING I WOULD LOVE TO WORK WITH YOU! Pd: my friends and family think that I already work for them as I try to get them all to use Monzo. Reviewed on: 24th April 2025

Best Credit Card I Ever Had

The Monzo flex credit card is the best credit card experience I have ever had! The ability to flex purchases individually, and also to decide to flex things after you've already paid is amazing. The 0% interest for 3 months makes this a really useful card for small to medium sized purchases and for building my credit up. I like that you don't need to get a physical card as that's one less piece of plastic! Reviewed on: 22nd April 2025

Great service

It’s simple and just works. Nothing much to add. Reviewed on: 22nd April 2025

Flex Monzo helps me to meet my family abroad

Sometimes I need to visit family in Brazil and flex monzo card helps me a lot as the tickets prices are expensive and my salary is very low. Reviewed on: 22nd April 2025

Is the best

Is the best. Just good experiences. Reviewed on: 22nd April 2025

Best Bank I Have Used

Monzo Flex is one of the best credit cards I have used, if not the best. First of all, the app is very user friendly and easy to manage and all the payments etc wre super fast. Reviewed on: 21st April 2025

Simple and efficient , good communication and easy t...

Simple and efficient , good communication and easy to use . Reviewed on: 20th April 2025

I have used the flex credit card.

I have used the flex credit card. Brilliant concept of offering credit and keeping in control of the payments through the app. Love Monzo breath of fresh air to banking Reviewed on: 20th April 2025

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