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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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.

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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

Fantastic service

Fantastic bank i love it easy to use Reviewed on: 27th March 2025

Flex has been great, and i have used it for many pur...

Flex has been great, and i have used it for many purchases. I love the fact that you can make extra payments as well as the flexibility of extending your payment plan. The 3 months interest free payments has allowed me to split purchases into manageable payments which has funded a lot of things! Reviewed on: 27th March 2025

Excellent and great for todays normal person.

Flex is great and doesn’t look solely at my credit score. It’s a refreshing change judgy old banks. Reviewed on: 27th March 2025

A modern offering that skips the faff!

I love Monzo because they skip the faff and have some humour. Their credit card offering is excellent and I love the look of their app. They offer innovative solutions and are super friendly (Monzo if you're reading this please send me a plush!)! Reviewed on: 27th March 2025

Amazing!

Amazing! Best bank ever! 0% interest for 3 months! Thanks Reviewed on: 27th March 2025

Flex is one of the best credit cards I’ve ever had,...

Flex is one of the best credit cards I’ve ever had, Monzo really do provide banking services for the people, rather than focussing on being a corporate money grubbing bank. Their flex is card is flexible, easy to use, provides many different options and ways to make it work for you and your budgeting. Reviewed on: 27th March 2025

Monzo Flex has been a game changer!

Monzo Flex has been a game changer! Super easy to apply for, even if you’re new to the UK. I also love how smooth it is to use while travelling abroad—no hidden fees and everything stays in the app. So convenient! Reviewed on: 27th March 2025

Easy to use

User friendly, monzo provide me instructions that are easy to understand. Reviewed on: 27th March 2025

Unparalleled forex fee free structure!

I totally love the monzo flex credit card’s zero fee forex feature. It is so useful abroad. And also like the fact that you can decide your payoff payment date. The flexibility is unparalleled. I also like that they let you check your credit score in the app! It is utterly convenient! Reviewed on: 27th March 2025

Long time customer

Been with Monzo for a few years now and have had nothing but positive experiences Reviewed on: 26th March 2025

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