Flex Purchase. An award-winning credit card.
See if you’re eligible with no impact to your credit score
Starting credit limit up to £10,000
0% offers you can use time and time again
You’ll need a Monzo current account to apply for Flex. Monzo current account Ts&Cs apply. UK residents & 16+ year olds only.
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).
0% time and time again
With Flex Purchase, paying in full on your next payment date is interest free. We have you covered for bigger buys, with no interest on purchases of £100 or more paid over 3 months. These aren’t just introductory offers, so you can keep using them.
For everything else 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.
A credit card with Monzo magic
Flex Purchase and Flex Build are packed with features to give you clarity over your spending.
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.
Protect your purchases
If you buy something between £100 and £30,000, and it’s faulty or doesn’t turn up, you may be able to get your money back with Section 75 protection.
Totally transparent
There are no sneaky fees or confusing terms. Everything’s broken down in plain English with no hidden costs.
The flexibility you need
You can edit your monthly payments at any time, without fees. So all the control is in your hands.
The best of Monzo
Get instant notifications, real-time balance updates and freeze and defrost your card, all from the app.
Your ideal travel companion
A 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.
Paying your way just got easier, with Flex on Apple Pay
Use Apple Pay in-store, online or in-app, on iPhone or iPad? You can now pay in monthly chunks, right at checkout, by adding the Flex card to Apple Wallet.
You’ll need iOS 18 or iPadOS 18 or later to use this feature online and in-app and iOS 26.1 for in-store purchases.See more on the Apple Pay page.
Apple’s terms and conditions for this feature
Loans not offered by Apple. Subject to eligibility requirements and approval. Apple provides technical services for Paying Over Time on Apple Pay. Apple is not providing financial services, and all lending and payment services are provided to you by the relevant card issuer and lending provider. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available in-store on iPhone, and online and in-app on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, visit Apple's support page.
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.