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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).

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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.

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 extra or early with no fees. Unforeseen expenses? Edit your instalments to suit your situation. Plus we don’t charge late fees.

All in the same place

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

“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
“Using Flex, I’m able to split purchases over 3 months and make it more affordable.”
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. We’ll take the first instalment straight away, and then monthly after that until you’ve paid it all off.

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.

Eligible purchases are also backed up by purchase protection, just like when you pay with a credit card.

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Any questions? Find out more about how Flex works.

Representative example: Credit amount £1,200. Pay in 12 instalments, 11 of £109 and a final one of £98.41 (total amount payable £1,297.41). Rate of interest / Representative 19% APR (variable).