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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.9 (3174 reviews)

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4.90

Based on 3,174 reviews, last reviewed 13th May 2026

62% 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

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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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Monzo Flex Purchase credit card reviews (3174)

Highly satisfied with my choice of the bank

Highly satisfied with my choice of the bank Reviewed on: 18th March 2025

Flex Credit Card Monzo -

Very user friendly, provides helpful information to help me understand how credit works + always finding new ways to benefit my experience Reviewed on: 18th March 2025

Amazing UX at no additional cost

Monzo has a very simple UX, they are one of the few players offering a multicurrency credit card in the UK, as well as being at the forefront of Flex innovation. And all this for no fee for the basic plan. Just brilliant! Reviewed on: 18th March 2025

Absolutely love Monzo.

Absolutely love Monzo. Completely changed the way I bank, from savings pots, early payday, to the flex account and now my Monzo investments account - their innovative products and amazing app means I have never had to speak to customer service once and I am much better at budgeting, saving and making my monlthy pay work for me and my family. Always recommending them to friends. Best bank I have used by a country mile. Reviewed on: 18th March 2025

Concept same as Klarna but with a twist

The concept of spreading the amount across multiple installment isn't new. Flex is same like Klarna but gives power to the user to decide how he/she wants to spread it across installments and also gives flexibility on moving monzo current account spend over to flex... Love it...been using this from the day of launch Reviewed on: 18th March 2025

Monzo flex should be the standard for a credit card,...

Monzo flex should be the standard for a credit card, each payment you make has a scheduled repayment cycle to help you avoid falling into the trap of not paying off the credit, 3 months interest free is also a godsend for those larger purchases you want to split and the early payment process is a breeze Reviewed on: 18th March 2025

I am using monzo primarily every day.

I am using monzo primarily every day. I am looking forward to every upgrade they got for their customers and offers. I have my savings with Monzo and is easy to use. Reviewed on: 18th March 2025

The flex card is great, not only does it offer you a...

The flex card is great, not only does it offer you a variety of ways to pay off it gives you a lot of flexibility. Reviewed on: 18th March 2025

Who needs any other app when you can use flex to bre...

Who needs any other app when you can use flex to break up into instalments - game changer Reviewed on: 18th March 2025

MonzoFlex is outstanding :)

MonzoFlex is outstanding :) been using it for a couple of years now for bigger purchases - such as a holiday for example, paying over 3 months so I don't pay interest. I don't have a credit card, so this has been the perfect solution for me! Absolutely super easy to use, and so convenient! Reviewed on: 18th March 2025

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