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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2516 reviews)

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4.95

Based on 2,516 reviews, last reviewed 23rd Jan 2026

500% 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

Incredibly useful and flexible interest free facility. Incredibly useful and flexible interest free facility. Easy to manage and use. Reviewed on: 23rd January 2026

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.

Monzo Flex Purchase credit card reviews (2516)

Review of the Monzo, Flex Purchase credit card:

Easy and intuitive

Monzo Flex allows me to be flexible when I’m going to go slightly over my limit. It allows me to do it interest free (over 3 months) and it’s easy to pay off early. Reviewed on: 3rd March 2023

I really like the card - comes with great flexibility

I really like the card - comes with great flexibility and easy to make payments so you can use it interest free if you need to but also get longer to pay it back. It’s easy to pay off individual purchases or the card overall and I quite like this approach Reviewed on: 13th April 2025

Always easy to talk too solve problems quickly Haven...

Always easy to talk too solve problems quickly Haven’t had to use customer service oftenJoined Monzo last year it’s been very easy to understand. Reviewed on: 13th April 2025

Great options

I used the Monzo Flex credit card to spread the cost of a few larger purchases, taking advantage of the three-month interest-free option. The setup was quick and easy in-app, and having the flexibility to manage repayments without added cost made budgeting much smoother. A great short-term credit option with clear, transparent terms. Reviewed on: 13th April 2025

Second to none

Such a progressive bank, their app is excellent. I can keep on top of my spending pay the card straight from my savings account amazing Reviewed on: 13th April 2025

Efficient, good programme, economical, inspires saving

Efficient, good programme, economical, inspires saving Reviewed on: 13th April 2025

Better to increase my limit am using lot

Better to increase my limit am using lot Reviewed on: 13th April 2025

Monzo is personalised banking at its best

Monzo takes an innovative and human-centric approach to banking. Flex has helped me easily spread the cost of high value purchases while maintaining my credit score. Monzo are also proactive with checking in on their customers' financial station based on account usage and previous conversations. It's personalised banking at its best. Reviewed on: 12th April 2025

Amazing!

Although the credit card is great, they could increase the limit for people so they can use it freely overseas. Reviewed on: 12th April 2025

Number one bank in united kingdom

Number one bank in united kingdom Reviewed on: 12th April 2025

Monzo is easy to use, understand and the app is amaz...

Monzo is easy to use, understand and the app is amazing. Reviewed on: 12th April 2025

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