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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2513 reviews)

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4.95

Based on 2,513 reviews, last reviewed 10th Sep 2025

95% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Good Company I am determined to share this information with the public to help other scam victims. Special thanks to BsbForensic. com for their outstanding work in... Read more Reviewed on: 10th 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

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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 (2513)

Monzo Flex has changed how I manage my finances.

Monzo Flex has changed how I manage my finances. Here's why: Flexibility: I can spread the cost of purchases over 3, 6, or 12 months, and the 3-month option is interest-free! Perfect for unexpected expenses or planned purchases that I'd rather pay for gradually. Easy to use: The app is super intuitive. I can "flex" past purchases in a few taps and keep track of my payment plans easily. Reviewed on: 8th March 2024

The best , most flexible credit card available in th...

The best , most flexible credit card available in the United Kingdom Reviewed on: 8th March 2024

Great bank

Great user interface, responsive staff - Innovative products Reviewed on: 8th March 2024

Love flex at managing my finances

Love flex and how versatile it is to managing my finances! Reviewed on: 8th March 2024

I've loved how transparent and easy to use everythin...

I've loved how transparent and easy to use everything is on the app and how I can fling money about with no issues. I feel completely in control of my own money which is how it should be Reviewed on: 8th March 2024

Grounbreaking BNPL/Credit offering!

Grounbreaking BNPL/Credit offering! Monzo Flex is a unique solution to the BNPL/Credit arena, with multiple repayment options. Being able to 'Flex' a qualifying existing transaction is amazing and helps with financial control & decisions. Top marks! Reviewed on: 8th March 2024

I have been using monzo for a long time and I am ver...

I have been using monzo for a long time and I am very happy with this card Reviewed on: 7th March 2024

Monzo has been really user-friendly.

Monzo has been really user-friendly. I like cash withdrawals of £400 without any interest on top Reviewed on: 5th March 2024

Transparency

Flex is great. They are very transparent about any fees on there, gives me an option to split every payment into smaller installments, and tells me what the interest would be. Its very simple, I get notifications of when my payments are going to come out, so I can easily keep track. Reviewed on: 5th March 2024

Low interest rates

The Monzo flex credit has been very helpful and the interest rate is quite low. I like the flexibility of being able to pay back what I have used in small bits and use the money again, once I’ve paid into flex. Reviewed on: 5th March 2024

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