Smart Money People Logo
Go to business site
Share this page
Link copied

Monzo: Flex Purchase credit card reviews

View other Monzo products
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
See only 5 star reviews
98%
See only 4 star reviews
2%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Hugo Marfani's avatar
Hugo Marfani

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
JN's avatar
JN
Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Monzo Flex Purchase credit card reviews (3086)

Go for monzo

5
Great banking app. ………Flex is best…. easy pay in 3 with no interest or more but pay interest Reviewed on: 18th March 2025
Rohan J's avatar
Rohan J

Their flex card is so handy for spreading payments o...

5
Their flex card is so handy for spreading payments out and for 3 months it’s free (0% APR) so I use it all the time for regular small spends because why not! It’s quick and easy to add transactions and works instantly. Reviewed on: 18th March 2025
Atul's avatar
Atul

Fabulous services and excellent products

5
Fabulous services and excellent products Reviewed on: 18th March 2025
Irfan 's avatar
Irfan

Monzo for the win!

5
The flex card is so useful and different from other credit cards. It is so easy to track and makes repayments manageable, and on your terms. I think overall it just outperforms 'traditional' banks as it is evident they care for their customers. The whole app interface just makes for easy use. Having the save 1p challenge is fun and allows you to save without really realising it, same with the round-up pots. I have bank accounts with 'traditional' banks but I now just wholeheartedly use Monzo as there isnt a single benefit a high street bank has over Monzo. As the world moves on and technology is in the forefront of every decision we make, it is time for more banks to adopt modern ways of working, and providing innovative, easy additional services for the end user to benefit from. Monzo for the win! Reviewed on: 18th March 2025
Jared B's avatar
Jared B

Monzo Flex’in

5
The Flex account has been pivotal over the years, and even more so recently with buying a house and getting the decor. The account is easy to set-up, quick and done before you can butter your toast. The Monzo app (as expected) is easy to use and controlling what you pay back, how much and when is super easy. Rates aren’t stupid if you’re paying over a longer period too. Reviewed on: 18th March 2025
Jack Fletch's avatar
Jack Fletch

Monzo is literally my favourite bank!

5
Monzo is literally my favourite bank. I hear the odd bad review, but after the last couple of years, the benefits like FLEX, virtual cards, and especially the money-organising pots have made my financial life so much better, especially with the ability to visualise everything. Reviewed on: 18th March 2025
Big J's avatar
Big J

Makes credit affordable

5
The 0% interest over three months product is an incredibly affordable way to spread small purchases, the credit limits feel fair and there is a real effort from Monzo to avoid putting people in debt which is refreshing in the BNPL space. I especially love the option to Flex any purchase within two weeks so if money is tight at the end of the month I can go back and Flex one or two transactions to get some cash back in a pinch at no extra cost! Reviewed on: 18th March 2025
Lucia P's avatar
Lucia P

Such a good scheme!

5
Such a good scheme to be able to do pay over time, interest only but also help build and maintain credit scores. completely manageable with payments can overpay and underpay Reviewed on: 18th March 2025
Meg A's avatar
Meg A

Great Credit Card & App

5
It was very easy to get a Monzo Flex Card, it was all done through the app and I was able to use it almost immediately. It is also very easy to choose the payment plan, see what I need to pay each month, or pay extra as it's all done through the app. It's a very smooth user experience. Reviewed on: 18th March 2025
Mel S's avatar
Mel S

Amazing 10/10 most valuable bank I have ever known

5
Amazing 10/10 most valuable bank I have ever known Reviewed on: 18th March 2025
Peter L's avatar
Peter L

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill