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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

54% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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.

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Monzo Flex Purchase credit card reviews (3174)

Great product overall

Great product overall with fantastic user interface, branding and credit limits. Cashback offerings are decent but could be better and should be applied without needing to opt in. Had to dispute one charge which took a long time to be progressed by their automated process but once they manually reviewed the dispute, they progressed the matter quickly. Reviewed on: 10th April 2025

The flexibility and ease of sorting out daily expens...

The flexibility and ease of sorting out daily expenses and organising my spending on Monzo is really smooth and easy Reviewed on: 10th April 2025

Monzo are great and have been for years!

Monzo are great and have been for years! They were so much quicker and advanced than other banks. Reviewed on: 9th April 2025

Speedy communication and easy to navigate

Speedy communication and easy to navigate Reviewed on: 9th April 2025

Monzo is great

I really appreciate the pay in three feature as it helps manage larger expenses without causing financial stress. Monzo has excellent customer service and they respond quickly and helpfully. I also find the app very easy to use. We use it to manage our household bills, which makes everything much more convenient. Reviewed on: 8th April 2025

Best credit card ever

Easiest credit card to use, it's amazing you can flex payment after you have paid. And also insight on your credit score every month Reviewed on: 8th April 2025

Best Banking App

One of the Best banking app I have ever used. Reviewed on: 8th April 2025

Great Service to have at your disposal.

Great Service to have at your disposal... Reviewed on: 8th April 2025

I just feel at ease with Monzo, it’s clever yet simp...

I just feel at ease with Monzo, it’s clever yet simple and I love all the features within the app. Flex has changed my life, it’s helped me in emergency situations, and when I’ve needed to make big purchases, and it really helped me to understand how interest was being applied and how I can pay back / clear my balance and it tells me how much I’ve saved. It’s brilliant! Reviewed on: 8th April 2025

Monzo is so easy to use and easy to navigate around.

Monzo is so easy to use and easy to navigate around. The app wants you to save money naturally and is an exciting approach to finance. The services are all very quick and efficient to use. I have every confidence in Monzo. Reviewed on: 7th April 2025

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