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Monzo Flex. An award-winning credit card.

  • See if you’re eligible with no impact to your credit score

  • Starting credit limit up to £3,000

  • 0% interest time and time again

A Monzo current account is required to apply for Flex. Eligibility criteria and Ts&Cs apply. 18+ years olds only. Missed payments may negatively impact credit scores.

Representative example: 29% APR representative (variable). £1200 credit limit. 29% yearly interest (variable).

BBA Winner Best credit card provider

A credit card with Monzo magic

0% time and time again

It’s always interest free when paying in full on your next payment date or in 3 monthly payments.

Get longer to pay at 29% APR representative (variable) for up to 24 monthly payments. If you miss a payment, you may lose the 0% rate on existing purchases.

No fees when you travel

Pay with the Monzo Flex Credit Card at home or abroad, in any currency, fee-free. We don’t add a mark-up on Mastercard’s exchange rate.

With all the perks of Monzo

Get instant notifications, real-time balance updates and freeze and defrost your card, all from the app.

Protect your purchases

If you buy something between £100 and £30,000, and it’s faulty or never turns up, you might be able to get your money back.

Section 75 protection covers eligible online and in-store purchases made with the Flex Credit Card.

You can even claim if you’ve only paid for part of a purchase, like if you put down a deposit using Flex.

Your ideal travel companion

The Monzo Flex Credit Card is your ideal travel companion, when you're booking your trip and while you're away.

You’ll pay no fees for using the card abroad. This’ll save you up to 2.75% in transaction fees vs some other credit cards.

Eligible flights, hotels and activities are protected under Section 75 protection, so you can book with confidence.

Credit you can count on

Forget expensive fees and confusing terms. Everything’s broken down in plain English with no hidden costs.

If you miss a payment, you won’t pay any fees and we’ll give you 7 days to catch up.

If you haven’t caught up after 7 days, we’ll move you to the longest monthly payment available for each purchase at your personalised rate. You won’t be able to switch back to interest free. 

If we still can’t take your payment, we’ll report you as being behind to credit reference agencies. This might impact your credit score.

Build your credit score

The Monzo Flex Credit Card could help you build your credit score if you make your payments on time and stay within your credit limit.

You can see if you’re eligible in minutes, with no impact on your credit score for checking. 

We’ll give you an instant decision so there’s no waiting around.

Join Monzo to get started

You need our current account to apply. If you already have a current account you can apply for Flex in the Monzo app.

Download Monzo

Get the free Monzo app for iPhone or Android.

Sign up for a current account

Follow the simple steps in-app, and have your photo ID ready.

See if you're eligible

Monzo customers can see if they’re eligible for a Flex Credit Card in minutes.