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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

56% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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 (3174)

Amazing credit card and great to building credit score

Amazing credit card and great to building credit score Reviewed on: 9th February 2026

Ease of use, clear understanding of interest applied...

Ease of use, clear understanding of interest applied, knowledge base within the banking app! Reviewed on: 9th February 2026

Very easy to navigate and use, brilliant app layout.

Very easy to navigate and use, brilliant app layout. The extra information on each product is really helpful Reviewed on: 9th February 2026

Good card way to use and good service

Good card way to use and good service Reviewed on: 9th February 2026

Very helpful efficient service very good interface

Very helpful efficient service very good interface Reviewed on: 9th February 2026

Makes credit card purchases easy!

Makes credit card purchases easy! You can select to have interest-free payments if paid off by the next month, or can select any length payment plan. You have much better visibility of interest charges too. Reviewed on: 9th February 2026

This credit card provides great flexibility and econ...

This credit card provides great flexibility and economical interest rates Reviewed on: 9th February 2026

Customer focussed

I appreciate that Monzo integrate customer feedback into their product. There have been few occasions where the features of Flex were tweaked in response to what customers wanted. E.g introducing more default payment plans for customers who preferred to pay the full balance in the next month (instead of paying in 3) Reviewed on: 9th February 2026

Great service and flexibility and easy to navigate t...

Great service and flexibility and easy to navigate the app Reviewed on: 9th February 2026

Monzo is the best!

Monzo is the best! They offer such lovely features that makes banking easy. Reviewed on: 9th February 2026

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