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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2512 reviews)

View other Monzo products

4.95

Based on 2,512 reviews, last reviewed 13th Jan 2026

100% increase 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

Never get caught out by hidden fees with Monzo Flex I've been using Monzo Flex for just over a year now and love how transparent and easy it is to use. Every time I make a purchase, I can really clearly... Read more Reviewed on: 13th January 2026

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.

Monzo Flex Purchase credit card reviews (2512)

Review of the Monzo, Flex Purchase credit card:

Monzo flex is simple and efficient.

Monzo flex is simple and efficient. The only way I pay for big purchases! Reviewed on: 19th January 2024

Brilliant Product!

Monzo Flex is a very straightforward product to use; very simple to set up and to use using the Monzo app. Fantastic flexibilty in using it online or with the physical card instore. Even further flexibility in being able to tailor repayment dates and amounts, or even pay early - and by far the biggest bonus, is being able to transfer an ordinary card purchase retrospectively onto Flex. Reviewed on: 11th April 2025

Amazing bank and amazing service

Amazing bank and amazing service Reviewed on: 11th 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

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