Ways to pay with Monzo Flex: in-store, online or up to two weeks later

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Since bringing you a better way to pay later with our new product, Monzo Flex, we’ve seen a huge demand from you asking to be among the first to use it. We're inviting people who've asked for early access to apply for Monzo Flex each week.

A quick recap on Monzo Flex

  • One simple application, if approved, there are no applications or credit checks to slow you down at checkout.

  • If eligible, choose a limit up to £3,000.

  • A better way to pay later for any eligible Monzo transaction over £30.

  • Pay in 3 instalments at 0% interest, or over 6 and 12 instalments at 19% APR (variable).

  • You’ve got the freedom to edit your instalment plans at any time and pay off with no fees. Need more time? You can pay back over a longer period in a tap.

Flex - Plan Selector

Early access

We’ve been inviting customers to early access as fast as we can, while gathering your feedback on how things work and what features we should prioritise. Shout out to the Monzo community for one of our busiest threads.

Ways to pay using Monzo Flex

We’ve now given all existing and new Flex customers another way to flex transactions. Giving you more choice with the virtual Flex card!

Monzo Flex - pay at checkout

Flex at checkout with your virtual Flex card

Use the virtual Flex card to pay with Apple Pay or Google Pay pretty much anywhere that accepts contactless, or use the card details shop online. After making a payment you’ll need to select an instalment plan and pay the first instalment.

You need to have enough money in your current account to cover at least the first minimum instalment. And the transaction must be over £30 for the payment to go through.

The same purchase & refund protection as a credit card🔒

When you pay for something with your virtual Flex card, you may also be covered by Section 75 of the Consumer Credit Act 1974. Giving you peace of mind when you’re using Monzo Flex for larger purchases.

Section 75 only applies to transactions made with your virtual Flex card. Under Section 75, the credit provider (that’s us in this case) and the retailer or supplier are jointly responsible if something goes wrong.

You might be able to get a refund if the goods or services you’ve bought are between £100 and £30,000 and any of the below:

  • Faulty

  • Not delivered

  • Not fit for purpose, of satisfactory quality or as described

  • The company you’ve bought from goes out of business before you get your goods or services

  • The description of the goods or services doesn’t represent what you actually received

We’ve gone into more detail about Section 75 and how to make a claim on our Flex help articles.

Flex - Making a flex

Flex later

You can also turn back the clock and flex an existing Monzo transaction from the last two weeks, simply by tapping the transaction and choosing to flex it. When you choose your instalment plan, we take the first instalment instantly and then monthly on your payment date until you’ve paid it off.

Take a look at our video series on splitting a transaction, editing your Flex instalment plan and how to make an additional payment.

Want to know more? Head to our webpage to learn about Flex.

Sign up for early access to Monzo Flex

Get early access