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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2511 reviews)

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4.95

Based on 2,511 reviews, last reviewed 24th Jul 2025

96% 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

Monzo is great! Love the Monzo app, one of the best banking apps out there. So easy to use and manage your finances and super modern. Also love the flex credit card a... Read more Reviewed on: 12th July 2025

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.

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Monzo Flex Purchase credit card reviews (2511)

Flex is so easy!

Flex is so easy! I have total visibility of my spending and my future repayments, with the extra flexibility of "flexing" payments up to 15 days after the purchase was made - because sometimes life surprises you, and what you thought you could afford you no longer can because of that annoying car/house/insurance bill you hadn't accounted for. Reviewed on: 3rd April 2024

Best credit card ever as it gives me flexibility opt...

Best credit card ever as it gives me flexibility options re my spending Reviewed on: 3rd April 2024

It's literally the best thing ever

It's so easy to both use the card physically, and use it online. It's also really easy to pick payments you've made already and move them to flex. the option to pay early with no additional fees is amazing - and it's so clear what you're paying and when you pay it by. You get flexibility over the length of the plan which makes it even better. Reviewed on: 3rd April 2024

Faultless

I've never had any issues with monzo whatsoever, when i lost my card i was able to immediately freeze it and when getting money out abroad they are invaluable Reviewed on: 3rd April 2024

Flex it!

At first I didn't really understand what Flex was and I work in fintech! My mates tried to explain it to me, but what confused me was it sounded like a credit card, but also like some sort of mini loan warehouse line at the same time. If you want to use it as a credit card then that's cool, it's always interest free as long as you pay it off quickly. So no more opening a new credit card each time your deal runs out. But what I find really cool is you can essential move a past debit purchase onto your credit card too (aka; flex it!). I've never seen anyone other app with this feature before. How many times do you pay with the wrong card because you're in a rush and you can feel eyeballs on you from the 17 people in the queue behind you? No more ah ffs I was I put that on my credit card, because I've got some bill coming out in a few days and I've got to move money around, then remember to clean it all up later. Just flex it! Reviewed on: 3rd April 2024

Takes the fear out of using credit

Monzo Flex allows me to pick and choose how much I pay back, when, and with what level of interest. It makes using credit a controllable and non-scary process. Reviewed on: 3rd April 2024

For me, Flex replaced Klarna for purchasing big gift...

For me, Flex replaced Klarna for purchasing big gifts and credit cards for trips. It's so easy and convenient, and I feel much more in control of it having access direct from the bank app, then using a third party app or card. Reviewed on: 3rd April 2024

Amazing people and amazing service.

Amazing people and amazing service. Flex interest free is amazing and would recommend to anyone who doesn't want to involve themselves with interest. Reviewed on: 3rd April 2024

Categorisation Guru

My alarm goes off, and I check my phone. I open the Monzo app to see my account balance. Last night I went out with friends, so I quickly scan my transactions to make sure everything looks good. Monzo categorized everything clearly, separating food and drinks from the cab fare home. Feeling relieved, I head out the door knowing exactly how much I spent. Reviewed on: 3rd April 2024

Easy to understand products, easy app and notificati...

Easy to understand products, easy app and notifications are instant Reviewed on: 3rd April 2024

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