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).Get started Watch our ad
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.
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.
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.
More money than you thought? Pay extra or early with no fees. Unforeseen expenses? Edit your instalments to suit your situation. Plus we don’t charge late fees.
Your Flex balance sits alongside your Monzo account so all your money is in one place.
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
Turn back the clock and flex an existing Monzo transaction from the last two weeks.
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.
Eligible purchases are also backed up by purchase protection, just like when you pay with a credit card.
Any questions? Find out more about how Flex works.