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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)

Monzosure!

It is easy to used and it offers a lot of cashbacks and rewards. I start using Monzo last year and I am so thankful to my friend who recommend this bank. Compare to other banks that I used Monzo is great you can guaranteed thay your money is safe and secure. Reviewed on: 9th February 2026

Best credit card for everyday spending

Really like the fact that you can flex payments and get cash back when using the flex credit card Reviewed on: 9th February 2026

Fantastic

Simply the best online bank in the UK Reviewed on: 9th February 2026

Easy to use and manage.

Easy to use and manage. Very helpful card to have Reviewed on: 9th February 2026

I find Monzo easy to use and very helpful

I find Monzo easy to use and very helpful Reviewed on: 9th February 2026

Supports New Starters

Moving country invariably means leaving behind all the financial credibility you've built to start again from zero. Monzo was the first major institution willing to provide a platform for me start over. Flex is feature rich, easy to use and manage, and issued by a market leader in digital banking. I'm happy to also have other products with Monzo and wouldn't consider changing providers. Reviewed on: 9th February 2026

Monzo offers flexibility

Monzo offers me all the flexibility I need. Could not be happier with my banking partner. Reviewed on: 9th February 2026

Monzo flex is really helpful with no interest rate f...

Monzo flex is really helpful with no interest rate for 3month Reviewed on: 9th February 2026

Such an easy user experience.

Such an easy user experience. I love the way you can spread payments according to your needs for each individual transaction. For instance you can spread small purchases over 3 months interest free. But if you need to, you can spread the cost over longer periods and the app instantly and transparently tells you how much interest you’ll pay on that specific purchase! Reviewed on: 9th February 2026

Monzo are and have always been incredible.

Monzo are and have always been incredible. From general guidance to specific credit card lessons, they give proper guidance to users to they know what they are getting! Reviewed on: 9th February 2026

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