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Credit card

Flex Purchase. An award-winning credit card.

With 0% interest options that won't expire, and credit limits up to £10,000. It's a credit card with Monzo magic.

Representative example

  • Rep. APR

    29% (var)

  • Credit limit

    £1200

  • Yearly interest

    29% (var)
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You'll need a Monzo current account to apply for Flex. Eligibility criteria and Ts&Cs apply. UK residents & 18+ years olds only. Missed payments may negatively impact credit scores.

15 million customersbank with Monzo

4.9

App Store

4.8

Google Play

4.6

Trustpilot

Best Credit Card or Credit Facility
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15 million customersbank with Monzo

4.9

App Store

4.8

Google Play

4.6

Trustpilot

Best Credit Card or Credit Facility
WhichRecommendedCurrentAccountProviderBadge
FscsBadge

The App Store, Google Play Store and Trustpilot ratings are correct as of 28 Oct, 2025.

Not your average credit card

    Pay in 3, interest free

    Pay in full on your next payment date, or in up to 3 months for purchases of £100 or more – all at 0% interest.

    Check eligibility

    Flex now or later

    Use Flex at the checkout like other credit cards, or Flex transactions from the last two weeks for a bit more time to pay.

    Check eligibility

    Pay extra or early without fees

    Edit your monthly payment plans and pay extra or early to save some interest, with no fees.

    Check eligibility

    No extra charges for missed payments

    We'll give you 7 days to catch up from the date of your missed payment. It's best to get back on track as soon as you can to protect your credit score.

    Check eligibility

    The best of Monzo in a credit card

    Get instant notifications, real-time balance updates and freeze and defrost your card, all from the app. No hidden fees or confusing terms, just a flexible, transparent payment plan for every purchase.

    Open a free Monzo account

    No fees overseas

    Au revoir and adios to extra fees abroad. We'll charge you Mastercard's exchange rate and nothing else.

    A woman in a pool, resting on the edge between the blue water and wood deck. A Monzo Flex card is laid over the top.

    Straightforward cashback

    Earn cashback when you use your Flex card at top brands, and get your money in just a few days. Ts&Cs apply.

    Flex on the fly

    Add Flex to your digital wallet and use in-store, online and in-app straightaway, with no need for a physical card.

    A woman in a blue dress sitting at a table on a red sofa with a green handbag beside her. A phone notification is laid over the image, saying 'You flexed £249 at Apple'

    Total transparency

    It's easy to see which purchases you're still paying for, which you've paid off and which have been refunded.

    Ready to Flex?

    Join Monzo to apply in just a few steps.

    Open a free Monzo account

    Step 1

    Open a free Monzo account

    You need a free Monzo current account to apply for Flex. It only takes 10 minutes to apply, and comes with loads of innovative features to help you spend and save. Join Monzo today.

    Step 2

    See if you're eligible for Flex

    Check if you're eligible in a few steps, without impacting your credit score.

    Step 3

    Use it to pay straight away

    Add Flex to your digital wallet and use it in-store, online and in-app straight away.

    A credit card the Monzo way

    We offer two Flex Credit Cards, so whether you're new to credit or a seasoned pro there's something to suit you.

    Check eligibility

    In under 5 minutes

      Flex Purchase

      • The credit card with 0% interest you can use again and again (and again).

      • Up to £10,000

      • 29% APR (variable)

      • 0% interest if you pay in 3 months

        for purchases £100 and over

      • 0% interest if you pay in full
      • Section 75 protection

        for eligible purchases

      • No fees overseas

      Flex Build

      • The credit card that could help build your credit score over time.

      • Up to £750

      • 39% APR (variable)

      • 0% interest if you pay in 3 months

        for purchases £100 and over

      • 0% interest if you pay in full
      • Section 75 protection

        for eligible purchases

      • No fees overseas

      • Learn more

      Flex Purchase

      Flex Build

      The credit card with 0% interest you can use again and again (and again).

      The credit card that could help build your credit score over time.

      Starting credit limit

      Up to £10,000

      Up to £750

      Representative APR

      29% APR (variable)

      39% APR (variable)

      0% interest if you pay in 3 months

      for purchases £100 and over

      0% interest if you pay in full
      Section 75 protection

      for eligible purchases

      No fees overseas

      Learn more

      If you miss a payment you may lose the 0% interest rate on existing purchases and it may negatively impact your credit score. Ts&Cs apply. To open Flex Build, you may need to put down a one-time security deposit, depending on your credit history.

      Credit you can count on

      Find out how credit has you covered for the big stuff.

      Open a free Monzo account

      Protect your purchases

      Section 75 protection means you could get your money back if you buy something between £100 and £30,000, and it's faulty or doesn't turn up.

      Build a healthy credit score

      Using credit responsibly and paying back on time can help improve your credit score, as we report your repayment history to credit reference agencies.

      Wiggle room when you need it

      A credit card gives you a buffer in emergencies (like when the boiler goes on the blink) and a bit more time to budget for bigger buys, interest free.

      Open a free Monzo account to see if you're eligible

      Applying for Flex takes less than 5 minutes.

      Open a free Monzo account
      Join
      14 million customers
      4.9
      App Store
      4.8
      Play Store

      14 million personal and business customers have changed the way they bank

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      Get more from Monzo

      See how else we can help with the big life steps and safety nets.

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      Flex Build Credit Card

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      Credit insights

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      Ts&Cs & eligibility apply - find out more on each page.

      Want to learn more?

      What credit score do you start with?

      If you're new to credit and borrowing, you might be wondering where you stand and what your starting point is. The answer might be a little surprising: you technically don't start with any credit score. That's because credit scores are a representation of your financial behaviours and history, which need time and activity to develop. So if you're just stepping into the world of credit, it's very likely that you won't have established a credit score just yet.

      A dial on a dark blue background showing a credit score rating

      What's a bad credit score?

      Understanding your credit score and the credit record it's based on is an important part of managing your finances. Your credit score influences whether you can borrow money and get approved for things like credit cards, loans or even a mobile phone contract. Generally, the lower your score, the harder it is to get approval.

      A person in a room with dark blue curtains in front of a cream sofa, holding too many small pillows

      What's a credit card limit?

      Ever wondered why your credit card comes with a limit and what that really means for you? In a nutshell, a credit card limit is simply the maximum amount you can borrow on a card – and understanding it can help you manage your spending and keep your finances on track.

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      Questions? Answers.

      Can I check if I’m eligible without impacting my credit score?

      You’ll need a Monzo current account to apply for Flex. If you have one, you can apply in the Monzo app.

      When you apply for the Monzo Flex Credit Card we’ll run a ‘soft’ credit check – this means we can check your eligibility and give you a personalised offer without impacting your credit file.

      If you decide to get Monzo Flex, we’ll let credit reference agencies know by running a 'hard' search. This is something that most lenders have to do when you take out a new type of borrowing or credit. Generally, a hard search will have a small negative impact on your credit file but usually only for a few months.

      Will using Flex Purchase help build my credit score?

      We report how you use Flex to credit reference agencies. We tell them things like what your credit limit is, what your outstanding balance is and whether you’ve made your monthly payment on time. Staying within your credit limit and making your monthly payments on time will show other lenders that you can manage credit responsibly.

      Your credit record has lots of factors that make up your credit score. How Flex impacts your credit score will depend on your other factors, including whether you’ve used credit before.

      How do Flex monthly payments work?

      Choose how to pay in up to 24 monthly payments for each and every purchase, and pay extra or early at no added cost. Paying in full on your next payment date is always interest free, or over 3 months for purchases of £100 or more.

      Can I make Flex payments from another bank account?

      Yes, you can make Flex payments from an external bank account in just a few taps, with Easy Bank Transfers powered by Open Banking. For now, this is only available when you pay early towards your upcoming monthly payment or an individual transaction, or catch up on a missed payment.

      Use the Current Account Switch Service to close your main current account and move everything over to us. Once you’ve opened an account, tap the '+' sign in the app and find 'Switch to Monzo’.

      Switch to Monzo

      • We move your money, Direct Debits and standing orders over

      • We redirect incoming payments (including your salary)

      • We close your other bank account

      • You choose a switch date and we'll do the rest in 7 working days

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