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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2967 reviews)

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4.97

Based on 2,967 reviews, last reviewed 16th Feb 2026

45400% 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

Dream card - it's so flexible. Dream card - it's so flexible. I use it as a normal credit card but when i run into the occasional purchase that is a bit too big or when money feels ... Read more Reviewed on: 16th February 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 (2967)

Review of the Monzo, Flex Purchase credit card:

Credit card designed for transparency

Easier credit cart issue in a few seconds. Great design that makes it very transparent in payments and interest charged. Reviewed on: 25th March 2025

A little too easy

As with most credit providers, the experience is almost too easy these days - access to cash is quick and simple, but that can make it too easy to get into trouble. I have found that Monzo do limit borrowing to an extent which makes sure things don’t go too far, though. Reviewed on: 11th February 2026

Best bank in Britain

My go to bank for everything. The best by far. Great service, excellent information. Reviewed on: 11th February 2026

Absolutely love the clarity, flex options and securi...

Absolutely love the clarity, flex options and security features Reviewed on: 11th February 2026

They are the most responsive bank I have been with.

They are the most responsive bank I have been with. Their 1p savings challenge is amazing and the flex facility is really helpful. Reviewed on: 11th February 2026

Best customer experience and friendly credit options

Best customer experience and friendly credit options Reviewed on: 11th February 2026

Monzo Current or Monzo Flex

I have.a Monzo Current Account and a Flex Account. I usually can never decide which account to use because of the facilities on both accounts. Reviewed on: 11th February 2026

Good to manage cashflow

Monzo flex is easy to use and good to use to manage cashflow. The app provides clear information of what you've spent, and how changing payment length affects interest if you choose a longer plan. Similarly, it clearly shows the effect on interest if you pay more or less. The virtual bank card is very convenient, allowing you to use it for in-store purchases. However, the change to interest free over 3 months to only purchases of £100 or moe, removes some of the appeal and convenience of the product Reviewed on: 11th February 2026

Monzo Flex is the best

Monzo Flex is the best credit card I’ve ever had, and helps me manage my money in the most efficient way possible. Reviewed on: 11th February 2026

Trusted me with credit, very affordable.

Trusted me with credit, very affordable. Always paid back on time Reviewed on: 11th February 2026

Straightforward features with a great user experience

The features are straight forward to use with clear explanations in the app. The UI itself is very well laid out, and it’s easy to navigate through my purchase history. The option to pay off items early individually also simplifies the overall experience. Reviewed on: 11th February 2026

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