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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)

This service is a great addition to my bank account...

This service is a great addition to my bank account for last minute expenses Reviewed on: 18th March 2025

Super easy banking

Its super easy to operate and understand. Clear communication. The installment idea is amazing Reviewed on: 18th March 2025

Excellent!

Excellent! I love it. Very fast and smooth Reviewed on: 18th March 2025

It's the first bank to keep me in tune with my credi...

It's the first bank to keep me in tune with my credit score and what I'm eligible for, which is super useful. I love Flex too, and it's defo helped me build my credit! Reviewed on: 18th March 2025

A great bank with an ever better social team!

A great bank with an ever better social team! Currently in the process of joining and the customer experience and response times have been great. Reviewed on: 18th March 2025

Easy to use, valuable insights

Easy to use, valuable insights, makes managing money across accounts very easy. Flex card offers reassurance and is a great first credit card. Reviewed on: 18th March 2025

Best credit card ever!

It is such a slick and simple UX, and clearly shows the interest options over time. Reviewed on: 18th March 2025

I was a victim of fraud

I was a victim of fraud and as soon as I reported it Monzo refunded me the amount whilst they investigated, they are outstanding in my opinion. Reviewed on: 18th March 2025

10/10 flawless

Excellent experience, no teething issues. Reviewed on: 18th March 2025

Amazing - has improved my quality of life

I only found out about flex last year I have had a Monzo current account for a few years now and it has helped me improve my credit score and helped me in sticky situations Reviewed on: 18th March 2025

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