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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3124 reviews)

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4.97

Based on 3,124 reviews, last reviewed 8th Apr 2026

60700% 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

Great, that you can choose your payment plan for all... Great, that you can choose your payment plan for all purchases. Means I can keep within my budget when paying back. Interest rate also good compared t... Read more 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 (3124)

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

Never had a problem super helpful

Never had a problem super helpful Reviewed on: 9th February 2026

Brilliant bank

Been with for many years. Never any problems. Flex is fantastic. Reviewed on: 9th February 2026

I love the flex account.

I love the flex account. I think it’s so useful and so helpful for everyday purchases and those one off needs. Reviewed on: 9th February 2026

Best bank with excellent service and offerings

Best bank with excellent service and offerings Reviewed on: 9th February 2026

Excellent product with highly configurable options....

Excellent product with highly configurable options and plans. App is very clear as to how much repayments will be with the option to pay back early. Reviewed on: 9th February 2026

Helped my credit score

Monzo makes the credit card understandable and has helped me to raise and maintain a solid credit score. Reviewed on: 9th February 2026

Monzo Flex is the best Credit Card available!

Monzo Flex has been an amazing experience for me since I got it. It's enabled me to have more freedom in my life whilst also giving me the best tools to manage my finances safely. Reviewed on: 9th February 2026

Excellent service and fantastic options

Excellent service and fantastic options Reviewed on: 9th February 2026

The Best credit card ever!

The Best credit card ever! So easy to use, easy to adjust! Can use anytime. Best customer service, quick response and quick solution! Best mobile banking app. Reviewed on: 9th February 2026

Monzo flex helped me get my credit score back by sta...

Monzo flex helped me get my credit score back by starting me of on a small allowence and then gradually building it up and allowing me to pay back flex Reviewed on: 9th February 2026

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