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).
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.
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 off a little extra or early and save yourself some interest.
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.
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.
Any questions? Find out more about how Flex works.