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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2859 reviews)

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4.96

Based on 2,859 reviews, last reviewed 10th Feb 2026

34600% 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

Amazing bank to have they don’t judge you with your... Amazing bank to have they don’t judge you with your credit they only give you what they know you can be able to afford and pay back thanks Monzo Reviewed on: 10th February 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 (2859)

Review of the Monzo, Flex Purchase credit card:

Best online banking

Best online banking and easy to use mobile app. Reviewed on: 3rd March 2023

Monzo are and have always been incredible.

Monzo are and have always been incredible. From general guidance to specific credit card lessons, they give proper guidance to users to they know what they are getting! Reviewed on: 9th February 2026

Mono flex absolutely amazing Monzo bank absolutely a...

Mono flex absolutely amazing Monzo bank absolutely amazing xx Reviewed on: 9th February 2026

I’m so glad I moved to Monzo they have been amazing...

I’m so glad I moved to Monzo they have been amazing and the flex account is brilliant If you running low you can flex the charge to 3 inte re st free payment which is very helpful in the current climate would recommend everytime Reviewed on: 9th February 2026

Beautifully simple UX

First credit card to offer a visual option to choose to pay interest free up to 3 months or see the amount you’ll pay interest free credit if you pay over a longer period. Beautifully simple UX that doesn’t feel like a banking app. Reviewed on: 9th February 2026

Great and very nice work Thanks so very much!

Great and very nice work Thanks so very much! Reviewed on: 9th February 2026

A digital bank from the ground up.

A digital bank from the ground up, no more terrible slow apps, plus pots make budgeting a dream. Reviewed on: 9th February 2026

Great credit card

Great. The extra flexibility is useful and I like how you can pay of each item as well as your monthly bill Reviewed on: 9th February 2026

Excellent credit card facility.

Excellent credit card facility. Great customer service. Reviewed on: 9th February 2026

Monzo is always coming out with innovative to their...

Monzo is always coming out with innovative to their customers to be financially savy Reviewed on: 9th February 2026

Flex is great

Using flex already for 2,5 years and happy with it. Helping a lot to increase credit score, started with only 250£ and now it’s already 5k. Easy to borrow, easy to payback Reviewed on: 9th February 2026

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