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Monzo: Flex Purchase credit card reviews

View other Monzo products
4.95
Based on 2,516 reviews, last reviewed 23rd Jan 2026
500% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
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2%
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Latest highest rating:

5

Incredibly useful and flexible interest free facility. Incredibly useful and flexible interest free facility. Easy to manage and use. Reviewed on: 23rd January 2026
Peter E's avatar
Peter E

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 2025
Zack's avatar
Zack
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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 (2516)

Review of the Monzo, Flex Purchase credit card:

Monzo is great

5
Monzo is a great service and easy to use app- I have never had any issues and have been reached out to if there was any indication of money struggle and knew there was support available if I ever needed, the recent cash back was a great addition and the pots are incredible for organising my paycheck Reviewed on: 9th April 2024
Chlo's avatar
Chlo

Its a nice app to manage.

5
Its a nice app to manage.i used monzo for every purchases and I really loved the flex card Reviewed on: 17th April 2025
Ldho's avatar
Ldho

Monzo is great

5
Always enjoyed using Monzo. Easy to use and great customer sert Reviewed on: 17th April 2025
Cand's avatar
Cand

Love the flexi credit card works perfectly for me

5
Love the flexi credit card works perfectly for me Reviewed on: 16th April 2025
Anu's avatar
Anu

Intuitive, slick and competitive.

5
Intuitive, slick and competitive. I'd recommend Monzo Flex to anyone wanting an evolved version of what a credit card can be. Reviewed on: 16th April 2025
twigusa's avatar
twigusa

The app is great, easy to navigate and shows everyth...

5
The app is great, easy to navigate and shows everything I need. The Flex card is the best financial product I've ever used. Reviewed on: 16th April 2025
Will's avatar
Will

Easy to use can see exactly where I am with flex and...

5
Easy to use can see exactly where I am with flex and loan calculator to help if you want to pay more shows then how much saved in interest keep pots for things amazing Reviewed on: 16th April 2025
Liz's avatar
Liz

Best in the game!

5
Best in the game!! A bank ahead in time with its continuing development Reviewed on: 16th April 2025
George 's avatar
George

I've been using Monzo Flex credit card, and...

5
I've been using the Monzo Flex credit card for a bit now, and I've got to say, it's a rather clever bit of kit. The way it lets you spread out the cost of purchases is genuinely useful, especially for those slightly bigger spends. Being able to choose your repayment plan – whether it's over 3, 6, or 12 months – gives you a proper sense of control, and it's all laid out nice and clearly in the app. Speaking of the app, managing the Flex card through it is a doddle, just like the current account. You can see exactly what you've spent, what your upcoming payments are, and change your plans within certain limits, which is handy if your situation changes. What I particularly appreciate is the transparency. There aren't any sneaky hidden fees that I've come across, and the app makes it really obvious what the interest will be if you choose a longer repayment plan. It helps you make informed decisions, which is always a good thing. It integrated seamlessly with my existing Monzo account, which made the whole application process and day-to-day use really smooth. It feels like a natural extension of their banking service. For anyone looking for a flexible way to manage their spending and spread out costs without any fuss, the Monzo Flex credit card is definitely worth a look. It's straightforward, easy to manage, and puts you in control. Reviewed on: 15th April 2025
West Country Kopite's avatar
West Country Kopite

Easily the best credit product by a country mile.

5
Easily the best credit product by a country mile. Reviewed on: 15th April 2025
Jordan M's avatar
Jordan M

Monzo credit has to be one of the best credit cards...

5
Monzo credit has to be one of the best credit cards out there, it has a low APR and helps build your credit score and history. Reviewed on: 15th April 2025
Adefemi A's avatar
Adefemi A

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