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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3121 reviews)

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4.97

Based on 3,121 reviews, last reviewed 8th Apr 2026

60400% 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

Very flexible credit card Very flexible credit card and they have just allowed to pay friends from it too all be it there is a small fee Reviewed on: 8th April 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.

Monzo Flex Purchase credit card reviews (3121)

Review of the Monzo, Flex Purchase credit card:

Refreshing way to use credi

Love the control you have to choose to credit some items. Reviewed on: 24th March 2023

Simply flex or not your purchases!

Flex purchase credit card is a different breed. Reassuring back up for the current account. We all have those days ! Whoops- over spent again!. No problem I’ll flex it and pay up with in 3 months interest free and probably clear earlier But always have flexibility to extend. Brilliant sensible credit card. I have a business and current account with Monzo- also taking advantage of the brilliant insurance they offer. Monzo bank leads others follow. Reviewed on: 9th February 2026

An easy credit solution ideal for those wishing to m...

An easy credit solution ideal for those wishing to make slightly larger purchases. Monzo gives you the option to select shorter zero percent payback solutions or longer term with low interest.all options are clear and show you exactly what and when you will be paying. Reviewed on: 9th February 2026

Monzo Flex Excellent designed product

Excellent designed product, easy to use and understand. Reviewed on: 9th February 2026

Excellent

It’s Good and easy to use and pay. Moreover there is section where it gives insight about using credit card Reviewed on: 9th February 2026

Best bank for saving.

Best bank for saving. I love the flex option after a purchase. I love the seperate pots for each category and notifications for how much I spend daily after each purchase. The app is reallt easy to use. Reviewed on: 9th February 2026

The flex credit card Is a flexible option perfect fo...

The flex credit card Is a flexible option perfect for everyone. Perfect for younger people trying to build credit and a great option for those who like to travel Reviewed on: 9th February 2026

Flex is really Flexible

Flex provides a really flexible way to use a credit card, with instant transfers between my card purchases on my current account and the Flex account itself. Makes managing my monthly budget so much easier, especially as the app tells you exactly how much interest you will be charged. Reviewed on: 9th February 2026

Easy and user friendly

Always easy to use and the app is extremely user friendly. Reviewed on: 9th February 2026

Great credit card

So quick and simple to set up. The app is definitely one of the easiest to navigate and use. The notification you get let you know how much you've spent and where. You then get a choice of how you want to pay. I've recommended Flex to several people as I'm so pleased with it Reviewed on: 9th February 2026

So easy to use the communication is excellent

So easy to use the communication is excellent Reviewed on: 9th February 2026

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