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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2510 reviews)

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4.96

Based on 2,510 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I've been using Flex for years! I've been using Flex for years and it's an absolute lifesaver. The interface is so easy to use and straightforward and the service from the team is br... Read more Reviewed on: 5th September 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

Read all reviews See your 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.

Monzo Flex Purchase credit card reviews (2510)

Review of the Monzo, Flex Purchase credit card:

A Refreshing Take on Banking

I’ve been using Monzo for about four months now, and honestly, I don’t think I could go back to a traditional bank. Before Monzo, I was with a high street bank that felt outdated—slow transactions, clunky app, and hidden fees. Switching to Monzo has been a breath of fresh air. Features & Benefits: Instant Spending Notifications – One of the first things I noticed (and loved) was the instant transaction alerts. The first time I used Monzo, I tapped my card at a shop, and my phone buzzed with the amount before I even put my card back in my wallet. It’s such a small thing, but it makes spending feel way more transparent. Budgeting & Savings Tools – I used to check my bank balance at the end of the month and wonder where did all my money go? But with Monzo’s budgeting feature, I can see exactly what I’ve spent on groceries, eating out, and subscriptions. I even set up a savings “Pot” for an upcoming trip, and rounding up spare change into it has added up surprisingly fast! Fee-Free Spending Abroad – I recently used Monzo while on a short trip, and it was a game-changer. No extra charges, no worrying about exchange rates—just tap and go. A friend got charged a sneaky 3% fee with their bank, but I paid exactly what I saw on the screen. Easy Money Transfers – Splitting bills with friends is effortless. Instead of dealing with long account numbers, I just send money instantly via Monzo, and they get a notification right away. Great Customer Support – I had a minor issue when a subscription took money out earlier than expected. I messaged Monzo through the in-app chat and got a helpful response within minutes. No call queues, no waiting on hold—just quick and friendly support. Drawbacks: Cash Deposits – I don’t use cash much, but when I tried to deposit some birthday money, I had to go to a PayPoint, and they charged me £1 for it. Not a huge deal, but something to keep in mind if you deal with cash often. No Physical Branches – Everything is digital, which is perfect for me, but if you like visiting a bank in person, Monzo might not be the best fit. Interest on Savings Could Be Better – While I love the savings tools, the interest rates aren’t the highest unless you open a savings account with Monzo’s partner banks. Final Verdict: After four months with Monzo, I can say it’s made banking way more intuitive and hassle-free. The app is sleek, transactions are instant, and the budgeting tools have genuinely helped me manage my money better. It’s perfect if you’re comfortable with digital banking and want more control over your finances. That said, if you handle a lot of cash or prefer traditional banking, it might not be the best option. But for me, Monzo has been an absolute win! Reviewed on: 3rd April 2025

Very good

I'm very happy for the monzo Flex credit card Reviewed on: 11th April 2025

Great product which allows me to manage payments

Great product which allows me to manage payments until payday or pay over 3 months interest free, all within the app and with ease. It gives me control and freedom over my payments and allows me to track and budget for big spends and unexpected costs. I find that I have stopped using my other ‘actual’ credit cards now in favour of this as it is more transparent (in terms of interest and upcoming payments) and also more easily managed. Reviewed on: 11th April 2025

Clean and Simple.

Clean and Simple. Easy to use, gives great credit insights that other apps don’t give, would highly recommend, never had any issues Reviewed on: 11th April 2025

Perfect user interface, great functions especially w...

Perfect user interface, great functions especially with the instalment options and payment planning. Reviewed on: 11th April 2025

Flexible card gives freedom of choice

Flexible card gives freedom of choice Reviewed on: 10th April 2025

Great system and process.

Great system and process. Easy to do Reviewed on: 10th April 2025

Easy account setup, credit card delivery , balance m...

Easy account setup, credit card delivery , balance management and flexibility above par. Reviewed on: 10th April 2025

Great flexibility, offers and current account transfers

Great flexibility, credit offer and ability to transfer to a Monzo current account. Every time I use my flex account I know exactly how I am going to pay it back, and when. Reviewed on: 10th April 2025

I have been a loyal customer to Monzo for about 7 ye...

I have been a loyal customer to Monzo for about 7 years now. The credit card is amazing, with the pay in 3 option. It is so easy to understand your credit usage, shows you payments made on time, what you can improve on. I particularly enjoy the feature that shows how much interest you save when you pay off your card early, or the breakdown of interest when you choose to spread a payment beyond 3 months. The limit has always been reasonable and proper lending and they have prompted me to increase if I chose to. Hand on heart would recommend monzo MILES before any other bank for a credit card. Reviewed on: 10th April 2025

Flex credit card has been so helpful especially comi...

Flex credit card has been so helpful especially coming after a sick leave it really helped me spread the costs and finances which helped me to be less stressed. I recommend Monzo to everyone Reviewed on: 10th April 2025

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