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Review of the Monzo, Flex Purchase credit card:

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Good to manage cashflow

Monzo flex is easy to use and good to use to manage cashflow. The app provides clear information of what you've spent, and how changing payment length affects interest if you choose a longer plan. Similarly, it clearly shows the effect on interest if you pay more or less. The virtual bank card is very convenient, allowing you to use it for in-store purchases. However, the change to interest free over 3 months to only purchases of £100 or moe, removes some of the appeal and convenience of the product Reviewed on: 11th February 2026

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