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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

Great banking service - has been my best experience...

Great banking service - has been my best experience with a bank Reviewed on: 7th April 2025

Love my Pots & Perks

Monzo has been great to, I’ve recently upgraded and have the ability to create virtual cards attached to specific pots. I’m able I’m to invest, and monitor the progress there. I have received and enjoyed Perks with my upgrade. I have been able to save well. I love that I can schedule deposits so the money I need for different things are set aside and the money in my balance is why I know is available, since all my other obligations have been divided up and sent to their respective pots. Reviewed on: 7th April 2025

Best bank!

I think that Monzo are the best bank that I have used. Their customer service is exceptional, the usability of their online system is fantastic. I would not hesitate recommending Monzo to any family or friends. Reviewed on: 7th April 2025

The must flexible Credit Card

Flex Credit Card is the must flexible credit card in the market. The possibility to pay back a bit on each transaction individually is a function that other cards don't have. Monzo Flex has exceeds on is versatility and flexibility. Reviewed on: 7th April 2025

The best bank ever.

The best bank ever. Everything they offer is perfect Reviewed on: 7th April 2025

The Perfect Banking App

The additional perks tier makes the bonuses you get monthly pay for themselves. They provide me with everything I need in a single place with an easy to understand UI and give me so many options on how to manage my money Reviewed on: 7th April 2025

Five stars

Excellent bank! And easy way to use monzo flex credit card! Reviewed on: 6th April 2025

Good service.

Good service.All options are in one app. Reviewed on: 6th April 2025

Loved using Monzo since day one and will continue to...

Loved using Monzo since day one and will continue to use it Reviewed on: 5th April 2025

It really is flexible

I guess it's all about the app which continues to evolve and feels far in advance of it's rivals. The link between my main Monzo account and my Flex card is very useful and Flex is great to spread costs over 3 months, interest free. Reviewed on: 5th April 2025

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