Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

View other Monzo products

4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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

Read all reviews Write a 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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Purchase credit card reviews (3086)

Market leading customer experience

I love the flexibility of this product, having the ability to set default interest free payments and using the new apple pay integrations for instalments has been very valuable to me. Reviewed on: 26th February 2025

Very clear communication, easily understandable and...

Very clear communication, easily understandable and great customer options available with the new flex credit card. Reviewed on: 26th February 2025

Monzo Flex, a great credit card

The Monzo Flex Credit Card is amazing for working on improvimg my credit score as long as it's used responsibly. The fact I can split my spending in three interest free payments at no cost as a free user is simply amazing and comes in handy when I am either short at the end of the month or want to plan bigger purchases. The only downside is, I set my payment date for the 28th of every month, and it is always early or late, never on the 28th when I requested it to be. Apart from that, it is an amazing credit card that is widely accepted and easy to use. Another downside is I cannot use it to pay for PayPal Friends and Family payments, which would be amazing if it were possible. Reviewed on: 26th February 2025

I really like using my Flex card!

I really like using my Flex card! Reviewed on: 26th February 2025

Really good value for money and good reply’s to quer...

Really good value for money and good reply’s to queries- very quick to resolve Reviewed on: 26th February 2025

Smooth and easy bankinh with great customer value

Smooth and easy bankinh with great customer value Reviewed on: 26th February 2025

Good basic credit card but no rewards or frills

I like being able to split larger payments interest free over time. In some other banking apps (Lloyds) it can be hard to find the minimum payment amount due on the credit card which is frustrating but I don't have that problem with the Flex card. There aren't any rewards associated with it. Reviewed on: 26th February 2025

Monzo flex is unique and amazing in how it works

Monzo flex is unique and amazing in how it works Reviewed on: 26th February 2025

an incredible experience that rarely happens at othe...

an incredible experience that rarely happens at other banks Reviewed on: 26th February 2025

Banking and using monzo flex credit has made my spen...

Banking and using monzo flex credit has made my spending experience great and its saving lives. Reviewed on: 26th February 2025

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card
from M&S Bank - Marks and Spencer 2.83 from 190 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews
Credit card
from PayPal 0.00 from 0 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Under 16s account
from Monzo 4.98 from 923 reviews
Investments
from Monzo 4.94 from 1110 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub