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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% offers you can use time and time again

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

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

  • Current Account Switch Guarantee
  • Financial Services Compensation Scheme Protected
  • Card & Payments Awards 2024

A credit card with Monzo magic

No fees when you travel

Pay abroad with no fees. We pass Mastercard’s exchange rate directly onto you, without sneaky fees or extra charges.

Break your bill down purchase by purchase

No more guessing what you’re paying each month. It’s easy to see which purchases you’re still paying, you’ve paid off or you’ve been refunded for.

With all the perks of Monzo

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

0% time and time again

It’s always 0% interest when paying in full on your next payment date or in 3 monthly payments with the Flex Purchase offer.

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

We're creating a version of Flex for people who aren't eligible for Flex Purchase. We'll let you know in the app if you can get early access.

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.

Pay abroad with no fees. We pass Mastercard’s exchange rate directly onto you, without sneaky fees or extra charges. This could 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.