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Credit cards are the past.
The future is Monzo Flex.

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 instalments, or take more time with 6 and 12 instalments at 19% APR representative (variable). Monzo Flex is credit for 18+ year olds. Ts&Cs apply.

Get started Watch our video

Representative example: 19% APR representative (variable), with an assumed credit limit of £1,200 and an annual interest rate of 19% (variable).

A totally new way to pay later

Turn almost any purchase into instalments, like new headphones or your next haircut, and life’s small surprise expenses, like new tyres for your car. Carefully consider the cost of using credit for purchases. Not keeping up with payments may negatively impact your credit score.

Pay in 3 for free – and more

It’s interest free over 3 instalments, but 0% isn’t the only way to pay. With 6 or 12 instalments at 19% APR representative (variable) you get some wiggle room for bigger buys that might come along.

Choose when you flex

Buy now, pay later in real time, whether you’re shopping online or in person. Or turn back the clock and flex things from the last two weeks.

Pay it back how you like

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

All in the same place

Your Flex balance sits alongside your Monzo account so all your money is in one place.

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 19% APR representative (variable). 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 19% APR representative (variable). 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.”
Angelina
Monzo customer since 2020
“It’s been so straightforward, and it just works, which is great.”
Felipe
Monzo customer since 2018
“Flex has made me more confident and helped me manage my money much better.”
Suraj
Monzo customer since 2018
“Using Flex, I’m able to split purchases over 3 months and make it more affordable.”
Kayle
Monzo customer since 2017

Flex now or later

Mobile phone showing a contactless payment Mobile phone showing Apple Pay

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.

Mobile phone showing a Nike transaction Mobile phone showing pay over time options Mobile phone showing account summary with flexed transaction

Flex later

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

Getting started is easy

  1. Apply in the app. We’ll give you an instant decision.
  2. If approved, you’ll get your own credit limit.
  3. Use it to flex a transaction. You can use the virtual card, or turn back the clock and flex an existing Monzo transaction from the last 2 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.

Mobile phone displaying the Monzo app

Any questions? Find out more about how Flex works.