Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2510 reviews)

View other Monzo products

4.96

Based on 2,510 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I've been using Flex for years! I've been using Flex for years and it's an absolute lifesaver. The interface is so easy to use and straightforward and the service from the team is br... Read more Reviewed on: 5th September 2025

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

Read all reviews See your review

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 (2510)

Review of the Monzo, Flex Purchase credit card:

A Refreshing Take on Banking

I’ve been using Monzo for about four months now, and honestly, I don’t think I could go back to a traditional bank. Before Monzo, I was with a high street bank that felt outdated—slow transactions, clunky app, and hidden fees. Switching to Monzo has been a breath of fresh air. Features & Benefits: Instant Spending Notifications – One of the first things I noticed (and loved) was the instant transaction alerts. The first time I used Monzo, I tapped my card at a shop, and my phone buzzed with the amount before I even put my card back in my wallet. It’s such a small thing, but it makes spending feel way more transparent. Budgeting & Savings Tools – I used to check my bank balance at the end of the month and wonder where did all my money go? But with Monzo’s budgeting feature, I can see exactly what I’ve spent on groceries, eating out, and subscriptions. I even set up a savings “Pot” for an upcoming trip, and rounding up spare change into it has added up surprisingly fast! Fee-Free Spending Abroad – I recently used Monzo while on a short trip, and it was a game-changer. No extra charges, no worrying about exchange rates—just tap and go. A friend got charged a sneaky 3% fee with their bank, but I paid exactly what I saw on the screen. Easy Money Transfers – Splitting bills with friends is effortless. Instead of dealing with long account numbers, I just send money instantly via Monzo, and they get a notification right away. Great Customer Support – I had a minor issue when a subscription took money out earlier than expected. I messaged Monzo through the in-app chat and got a helpful response within minutes. No call queues, no waiting on hold—just quick and friendly support. Drawbacks: Cash Deposits – I don’t use cash much, but when I tried to deposit some birthday money, I had to go to a PayPoint, and they charged me £1 for it. Not a huge deal, but something to keep in mind if you deal with cash often. No Physical Branches – Everything is digital, which is perfect for me, but if you like visiting a bank in person, Monzo might not be the best fit. Interest on Savings Could Be Better – While I love the savings tools, the interest rates aren’t the highest unless you open a savings account with Monzo’s partner banks. Final Verdict: After four months with Monzo, I can say it’s made banking way more intuitive and hassle-free. The app is sleek, transactions are instant, and the budgeting tools have genuinely helped me manage my money better. It’s perfect if you’re comfortable with digital banking and want more control over your finances. That said, if you handle a lot of cash or prefer traditional banking, it might not be the best option. But for me, Monzo has been an absolute win! Reviewed on: 3rd April 2025

Best in the game!

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

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

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

Easily the best credit product by a country mile.

Easily the best credit product by a country mile. Reviewed on: 15th April 2025

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

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

Great service

The experience is great and meets all my needs Reviewed on: 15th April 2025

The Monzo flex has to be one of the greatest inventi...

The Monzo flex has to be one of the greatest inventions ever! Reviewed on: 15th April 2025

Must have Credit Card!

I’ve been really impressed with Monzo Flex so far. One of the features I really appreciate is the flexibility to adjust the amount I want to pay each month. It’s a great way to stay on top of my finances without affecting my credit score, which gives me peace of mind. I also love how Monzo gives clear reminders before any money is taken out. It helps me stay organized and avoid any surprises. On one occasion, I unexpectedly missed a payment, but the customer service team was incredibly helpful. They guided me through using features in the app to make sure the missed payment didn’t affect my credit score. That kind of support really makes a difference. Overall, it’s a user-friendly and thoughtful service that puts you in control. Reviewed on: 14th April 2025

Great rates including 0% interest options, flexible...

Great rates including 0% interest options, flexible monthly instalments. They educate you on the product using a short, simple and engaging PowerPoint style educational piece on the app. Reviewed on: 14th April 2025

Very smooth experience no set back.

Very smooth experience no set back. Never had an issue with customer service and it’s the best travel card to get. Reviewed on: 14th April 2025

Managing my money has never been easier

I absolutely love Monzo! Managing my money has never been easier. I love all the features and perks, and recommend it to all my friends. Reviewed on: 14th April 2025

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit builder credit card
from Vanquis 4.78 from 19909 reviews
Student Credit Card
from NatWest 4.31 from 6 reviews
Charge Card
from American Express 4.05 from 24 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 2 reviews
Under 16s account
from Monzo 4.95 from 410 reviews
Savings
from Monzo 4.94 from 151 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub