Write a review

Newsletter

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

View other Monzo products

4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% 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

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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

Read all reviews Write a 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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

Monzo have been my bank for years...

Monzo have been my bank for years and I cannot fault them. They keep adding useful easy to use and caring features. App is reliable and gives me confidence to recommend online banking. Reviewed on: 9th February 2026

Excellent flexibility credit card with easy to view...

Excellent flexibility credit card with easy to view repayments Reviewed on: 9th February 2026

I love been able to have the option of different pay...

I love been able to have the option of different payment methods Reviewed on: 9th February 2026

World Class Bank

Monzo provides great services and options when considering banking. The mobile app is easy to use and aesthetic. Their customer service cannot be faulted. Reviewed on: 9th February 2026

Monzo flex is a great credit card.

Monzo flex is a great credit card. Not only is it a typical credit card but it allows you to choose over how long you want to pay. You can very easily access your flex account and make payments whenever you want! It is so great. Reviewed on: 9th February 2026

Monzo flex is such a great tool to help manage every...

Monzo flex is such a great tool to help manage everyday payments. I use it all the time. Reviewed on: 9th February 2026

Quickly improved credit score

Monzo Flex has helped me improve my credit score quickly, and thought me about saving, and how my money works. I hadn’t used a credit card before because I didn’t completely understand how they worked, but Monzo made it really clear, simple, and easy to grasp. Their app is second to none, and makes keeping track of all aspects of your money really easy. Reviewed on: 9th February 2026

Brilliant app and bank

The app is second to none, the most user-friendly, straightforward banking app I've used. The support is excellent and the value for money is top notch. I would definitely recommend to friends and family Reviewed on: 9th February 2026

Monzo flex allows me to be, quite literally, more flexi

Monzo flex allows me to be, quite literally, more flexible with my money. The ability to flex payments across 3 months is great as it allows me to build my credit score rather than other competitors who aren’t regulated. The process is really easy and the ability to flex ordinary payments from my current account at a later date of up to two weeks is a lifesaver for cash flow. Overall I am really happy with my experience with Monzo Flex and will continue to use it. Reviewed on: 9th February 2026

Monzo flex credit card helped me build my score and...

Monzo flex credit card helped me build my score and save money it tels me that I'm doing good with my card and to do what I'm doing Reviewed on: 9th February 2026

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 card
from first direct 4.26 from 27 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Fluid Credit Card
from NewDay 3.88 from 105 reviews

Want to see more from Monzo?

Under 16s account
from Monzo 4.89 from 945 reviews
Investments
from Monzo 4.86 from 1148 reviews
Current account
from Monzo 4.85 from 19429 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