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Monzo: Flex Purchase credit card reviews

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

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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

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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 (2510)

So versatile and intuitive to use!

So versatile and intuitive to use! Reviewed on: 15th April 2024

Flex is a phenomenal experience from start to end.

Flex is a phenomenal experience from start to end. The ability to flex payments is a godsend, and I find myself using it regularly for big purchases when I didn’t think to use my credit card. Reviewed on: 15th April 2024

Flex card provides clear and easily understandable e...

Flex card provides clear and easily understandable explanation around any charges or interest and you have full control over each payment and how you choose to pay as well as having a default choice. I love the feature to flex any debit card payments from the last 2 weeks. Thoroughly recommend Reviewed on: 15th April 2024

Happy with their service

Been with Monzo since 2017 and happy with their services. Reviewed on: 15th April 2024

Fast service

Excellent customer service experience with speed Reviewed on: 14th April 2024

Covid life safer

I use the flex credit card too, it's amazing. The first time a bank has listened to what people want. I used a virtual card in my own account to setup online shopping for an elderly relative that was scared of shopping online. This means I pay from a pot and she can't get scammed for more than is in the pot and I can delete the card and create a new one if it is compromised. This helped us servive during covid. Reviewed on: 14th April 2024

Perfect alternative to a credit card

Relatively high limit (3000 already although I have only been using it for 6 months), 0% interest in first 3 months after purchase, easy application process Reviewed on: 14th April 2024

Monzo flex - FANTASTIC

Monzo flex is how credit card should be. Very transparent and clear what’s the balance left and how much is paid in interest. As well is designed in a way that you can only pay in 24 months which is great as it doesn’t allow you to drag the debt forever and ever. Reviewed on: 14th April 2024

Always been so easy to use and user friendly

Always been so easy to use and user friendly Reviewed on: 13th April 2024

The best credit card product I’ve ever used.

The best credit card product I’ve ever used. Allows me to stay on top of spending and repayments. Reviewed on: 12th April 2024

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