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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% 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

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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 (3086)

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

Best service in the UK for personal and business dua...

Best service in the UK for personal and business dual friendly chat support agents Reviewed on: 25th February 2026

Flex credit card easy to use and track upcoming paym...

Flex credit card easy to use and track upcoming payments and when they're due. Nice to be able to split into 3 month interest free payments. Reviewed on: 25th February 2026

Great flexible credit card

Smooth easy access to short term credit. Flexibility in a payment plan that can be managed by account holder. Love this banks products Reviewed on: 25th February 2026

Easy and convenient credit card

I have used monzo flex for 3 years now and its flexibility and easy to use have made me not opt for any other credit card. I will always choose monzo flex. Reviewed on: 25th February 2026

I’ve been a Monzo customer since 2020 & have never h...

I’ve been a Monzo customer since 2020 & have never had an issue, I moved to Monzo after some terrible customer service with another bank. Reviewed on: 25th February 2026

Since 2022 my experience is very awesome

Since 2022 my experience is very awesome Reviewed on: 24th February 2026

I started with Monzo a year ago it’s a bank that tri...

I started with Monzo a year ago it’s a bank that trips over to help u I will b doing all my banking with them soon Reviewed on: 24th February 2026

I'm very happy with Monzo.

I'm very happy with Monzo. I'm using Monzo Perk and Flex credit card. Everything is clear and servis is perfect Reviewed on: 24th February 2026

Easy to use, great features and products, safe spend...

Easy to use, great features and products, safe spending (online purchases). Experienced a lack of Fraud issues with Monzo over the 7 years I've been banking with them. The Flex CC is a fantastic addition to the available credit available to you at Monzo, and it for me has been incredibly sensible lending (seems to evaluate your spending and repaying probability to set you out an affordable limit). Reviewed on: 24th February 2026

App is easy to use

App is easy to use and explains how much interest will be charged if over 3 payments. Interest rate is reasonable and asking for increases is quick and have a very quick reply if your accepted Reviewed on: 24th February 2026

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