Two ways to use your credit card

Once we’ve approved you, using your Monzo Credit Card is quick and easy.

At checkout

Use your credit card to pay in-store with Apple Pay or Google Pay, almost anywhere contactless or Mastercard is accepted. You can also pay online with your card details.

You may also get Section 75 protection on eligible purchases when you use your card.

There’s no contactless limit on the virtual card. You can spend any amount as long as you’ve got enough credit available.

Or later

You can also move your current account spend. Just tap a transaction from the last 2 weeks in your current account to pay over time. We’ll put the money back into your account.

When you choose your monthly payment, we’ll show you how much each payment will be and when we'll take it. If you choose a monthly payment with interest, we’ll also show you how much interest you’ll pay in pounds and pence.

You won’t earn cashback on transactions you move to Aura at a later date.