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Monzo Flex –
Awarded credit card of the year 2023

Spread the cost of pretty much anything, even things you bought 2 weeks ago. Use Flex online or in-store, with protection for eligible purchases. If eligible, it’s interest free over 3 monthly payments, or take more time with 6 and 12 monthly payments at 29% APR representative (variable). Monzo Flex is credit for 18+ year olds. Ts&Cs apply.

  • A white badge showing "British Bank Awards Best credit card provider Winner 2023", and the Smart Money People Logo

Consider the cost of credit before a purchase. Missed payments negatively impact credit scores and you may lose the interest-free rate on existing plans.

Representative example: 29% APR representative (variable), with an assumed credit limit of £1,200 and an annual interest rate of 29% (variable).

Credit you can count on

The Flex card is transparent, with no hidden fees or confusing terms and a credit limit up to £3,000. Turn almost any purchase into monthly payments, like new headphones or your next haircut, and life’s small surprise expenses, like new tyres for your car.

It’s interest free time and time again

It's interest free if you pay in full on your next monthly payment or over 3 monthly payments, but 0% isn't the only way to pay.

With 6 or 12 monthly payments at 29% APR representative (variable) you get some wiggle room for bigger buys that might come along.

Choose when you flex

Use the Flex card on the go, or move purchases from your Monzo Current Account to Flex in just a tap, up to two weeks after you’ve paid.

Pay over time instead and you’ll get the money back instantly.

Pay it back how you like

More money than you thought? Pay off a little extra or early and save yourself some interest.

A globe with bank notes floating around it and sparkles

No fees overseas

You can use the Flex card at home or abroad, in any currency, fee-free. We don’t add a mark-up onMastercard’s exchange rate.

What to know before you get started

  • If you need more time to pay, you can edit your instalments in the app. If your instalment plan is interest free and you can switch to a longer-term plan, we’ll charge interest at your personalised rate. You won’t be able to switch back to an interest-free plan.

  • 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 plan available for each purchase at your personalised rate. You won’t be able to switch back to an interest-free plan.

  • If we still can’t take your payment, we’ll report your account as being behind to credit reference agencies. This might negatively impact your credit score and make it harder to borrow in the future.

  • You’ll always keep the option to pay off extra and early with no fees, to save yourself some interest.

  • If you’re ever worried about making a payment, please talk to us. We’ll always do whatever we can to help.

You can read more about how Flex works in our Monzo Flex help articles.

“There’s nothing hidden so you feel confident using it. It’s so transparent, I love it.”


Monzo customer since 2020

“It’s been so straightforward, and it just works, which is great.”


Monzo customer since 2018

“Flex has made me more confident and helped me manage my money much better.”


Monzo customer since 2018

Flex now or later

A pile of boxes next to a shopping bag with a smile on it

In-store and online

Make purchases in person with the virtual Flex card on your phone. Or use the card details to shop online.

There’s no contactless limit on the virtual card. You can flex any amount, as long as you’ve got enough available credit.

There's Section 75 protection on eligible purchases made with your virtual card, just like you'd get on a credit card – for added peace of mind.

Transaction feed of a Monzo user, showing a current balance of £2,410.60, and recent transactions.

Flex later

Turn back the clock and flex an existing Monzo transaction from the last two weeks.

The future of credit

Monzo Flex is a fresh take on credit. Know upfront exactly what you’ll pay, with any interest broken down and no hidden costs. And you’ll always have a clear plan to pay back purchases.

There's Section 75 protection on eligible purchases made with your virtual card, just like you'd get on a credit card. It means you can get your money back in some situations if something goes wrong with a purchase.

Explore Flex

Any questions?

Find out more about

How flex works