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Monzo: Flex Purchase credit card reviews

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

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4.95

Based on 2,512 reviews, last reviewed 5th Sep 2025

97% 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

I've been using Flex for years! I've been using Flex for years and it's an absolute lifesaver. The interface is so easy to use and straightforward and the service from the team is br... Read more Reviewed on: 5th 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 (2512)

Monzo are the best!

Whenever I have required support from Monzo they’ve been fantastic. The main benefit is that I don’t have to wait on hold for ages on the phone, and that their chat facility is so much better than most companies. You can do it directly from the app and you can close the app and do something else while you’re waiting for a response, rather than staring at the screen and being unproductive while waiting to connect, as is the case with most other live chat facilities. Monzo seem to put convenience/ease of use at the forefront of all of their offerings, which is something I absolutely need in my busy life. Reviewed on: 10th February 2024

Monzo Flex makes credit use so much less daunting!

Monzo Flex makes credit use so much less daunting! I was pretty nervous about using anything credit/buy now pay later related. I've been an serial debit card user, and have been cautious about using credit cards I don't understand. I love how structured Flex is, no unwanted charges, confusing interest rates, or changing terms and conditions. Flex has allowed me to make big purchases without having to fork out a huge sum at once, but also gives me the reassurance of being able to pay off in a structured way. And in any case, you can always pay within 3 months interest free, plus the flexibility to pay off over up to 2 years and also the ability to change if you have extra cash to overpay and finish up sooner. A great product, and one I've encouraged others to consider instead of standard or more traditional credit cards. Reviewed on: 10th February 2024

I’ve been a Monzo customer since 2017 and love it!

I’ve been a Monzo customer since 2017 and love it! I have other current accounts but only actively use this one. Reviewed on: 10th February 2024

Amazing amazing amazing amazing amazing

Amazing amazing amazing amazing amazing Reviewed on: 10th February 2024

Opening a Monzo flex card for an upcoming holiday wa...

Opening a Monzo flex card for an upcoming holiday was so easy - I really appreciated being able to seamlessly open the account in the app and then start using it straight away. The payment experience is always flawless, unlike some e.g. Amex, who’s 3DS implementation seems to be broken for half the merchants I use. Reviewed on: 10th February 2024

Flex is a game changer

Flex is a game changer. The reassurance of using a credit card without huge interest fees. Freedom to change repayment term to longer (up to 23 months) or shorter if needed. If you select 3 or less months it’s interest free! A brilliant alternative to generic credit cards or loans Reviewed on: 9th February 2024

Easy to manage monthly payments.

Easy to manage monthly payments. Great flexibility in instalment plans. Easy to pay off early if wanted Reviewed on: 9th February 2024

Best credit card I’ve had!

All the charges are very transparent I’m very impressed with the 3 months interest free payments. This was very useful over Christmas and for splitting up the cost of expensive purchase. Reviewed on: 9th February 2024

I would only ever suggest Monzo!

I would only ever suggest Monzo! Monzo is the best banking I have ever used. I am a visual learner and so the physical pots and distinguishable colours help me organise my money so much better. I also utilise the investment and savings options. Reviewed on: 8th February 2024

great system

as a 19 year old it has been an easy transition into credit to build up my credit history. easy to use and manage Reviewed on: 8th February 2024

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