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% interest time and time again
A Monzo current account is required to apply for Flex. Eligibility criteria and Ts&Cs apply. 18+ years olds only. Missed payments may negatively impact credit scores.
Representative example: 29% APR representative (variable). £1200 credit limit. 29% yearly interest (variable).
A credit card with Monzo magic
0% time and time again
It’s always interest free when paying in full on your next payment date or in 3 monthly payments.
Get longer to pay at 29% APR representative (variable) for up to 24 monthly payments.
Protect your purchases
You could get your money back if something goes wrong, with Section 75 Protection on eligible purchases made with the card.
No fees when you travel
Pay with the Monzo Flex Credit Card at home or abroad, in any currency, fee-free. We don’t add a mark-up on Mastercard’s exchange rate.
Credit you can count on
Forget expensive fees and confusing terms. Everything’s broken down in plain English with no hidden costs.
We always show interest in pounds and pence. So there’s no guesswork needed.
All the perks of Monzo
Get instant notifications, real-time balance updates and freeze and defrost your card, all from the app.
You can also flex transactions from your current account up to 2 weeks after you’ve paid. We put the money in your account and you pay us back in monthly payments.
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 award-winning 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.
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.
You’ll pay no fees for using the card abroad. This’ll save you up to 2.75% in transaction fees vs some other credit cards.
Eligible flights, hotels and activities are protected under what’s known as Section 75. So you can book with confidence.
What to know before you get started
If you switch from an interest-free monthly payment to a longer-term one, you won’t be able to switch back to interest free (for that purchase).
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 your account as being behind to credit reference agencies. This might negatively impact your credit score and make it harder to borrow in the future.
You’ll always keep the option to pay off extra and early with no fees, to save yourself some interest.
If you’re ever worried about making a payment, please talk to us. We’ll always do what we can to help.
You can find out more in our Monzo Flex help articles.
You’ll need a Monzo Current Account to apply
Download the Monzo app on iOS or Android and join more than 8 million people who've changed the way they bank.
