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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.9 (3185 reviews)

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4.90

Based on 3,185 reviews, last reviewed 19th Jun 2026

78% 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

Genius credit card Genuinely genius way of individualising the different payments made on the Flex credit card, so (re-)payments can be made towards the cost of differen... Read more Reviewed on: 19th June 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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Monzo Flex Purchase credit card reviews (3185)

Amazing bank with a superb credit card

Monzo is the best bank and they have the best credit card ever made in UK Reviewed on: 9th February 2026

The best credit card on the market.

The best credit card on the market. The name Flex is fully reflect the instalment options provided Reviewed on: 9th February 2026

Monzo Flex is fantastic!

Monzo Flex is fantastic! It doesn’t feel like a normal credit card it’s like having your own personal CFO! It’s transparent, easy to use and manage and most importantly respects you’re lifestyle by letting you decide how and when you pay! Reviewed on: 9th February 2026

Perfect very handy to have.

Perfect very handy to have. Would definitely recommend Reviewed on: 9th February 2026

Best Bank ever!

I have had no reason to regret banking with Monzo. Excellent customer service without having to interact with anyone. No protocols, no bureaucracy, just excellent service everytime! Reviewed on: 9th February 2026

Thumbs up monzo

No issue so far.. thumbs up monzo Reviewed on: 9th February 2026

Great card, love the flexibility !

Great card, love the flexibility !! Also the UI with payments upcoming and moving them about is fantastic!! Reviewed on: 9th February 2026

spreading the cost of a pack of polos...

I love that I can spread the cost of a pack of polos over 3 months interest free Reviewed on: 9th February 2026

Easy to use, clear, and stress-free. Simple app

My experience with Monzo Flex has been smooth and straightforward. Everything is clear in the app, and payments are easy to track. Reviewed on: 9th February 2026

The best credit option for me!

Use on a daily basis for work expenses and some personal purchases on a monthly basis. Fantastic, simple process keeping you in complete view/control of your finances. Great options for 0% interest. Best experience for credit. Reviewed on: 9th February 2026

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