Monzo Flex. An award-winning credit card.
See if you’re eligible with no impact to your credit score
Starting credit limit up to £3,000
0% offers you can use time and time again
A Monzo current account is required to apply for 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
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.
We're creating a version of Flex for people who aren't eligible for Flex Purchase. We'll let you know in the app if you can get early access.
A credit card with Monzo magic
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.
With all the perks of Monzo
Get instant notifications, real-time balance updates and freeze and defrost your card, all from the app.
Protect your purchases
If you buy something between £100 and £30,000, and it’s faulty or never turns up, you might be able to get your money back.
Section 75 protection covers eligible online and in-store purchases made with the Flex Credit Card.
You can even claim if you’ve only paid for part of a purchase, like if you put down a deposit using Flex.
Your ideal travel companion
The 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.
Paying your way just got easier, with Flex on Apple Pay
Use Apple Pay 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 an iPhone with iOS 18 or an iPad with iPadOS 18 or later, and terms apply. See more on the Apple Pay page.
Apple’s terms and conditions for this feature
Using your Flex monthly payment on Apple Pay is subject to eligibility and approval, not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Must have an eligible card. This feature is only available online and in app, on iPhone or iPad. Software requirements apply. To ensure you have all features of this product, update your device to the latest software version. Not available in-store. Additional terms apply.
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.
Build your credit score
The Monzo Flex Credit Card could help you build your credit score if you make your payments on time and stay within your credit limit.
You can see if you’re eligible in minutes, with no impact on your credit score for checking. We’ll give you an instant decision so there’s no waiting around.
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.