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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)

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

I started using Monzo flex and this became my primar...

I started using Monzo flex and this became my primary payment method. Provides deep insights and flexibility Reviewed on: 26th February 2025

Is very easy to work with monzo, i like it i recomen...

Is very easy to work with monzo, i like it i recomend it to every one Reviewed on: 26th February 2025

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