Choosing a plan for Monzo Flex

With the Monzo Flex Credit Card, you can pay in full on your next payment date or in 3 monthly payments at 0% interest. If you want more time it’s 29% APR representative (variable) for up to 24 monthly payments.

There's more about this in our help article about interest rates on Flex

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 show you how much interest you’ll pay in pounds and pence.

If you flex smaller purchases, the number of monthly payments available will be limited as the minimum monthly payment amount is £2. This is to help you repay smaller purchases quicker.

Things to keep in mind when using Monzo Flex

You'll need to select a monthly payment before the end of the next day. Weʼll send you reminders to do this. If you donʼt pick one, we'll automatically select the lowest monthly payment which is over 24 months.