Exciting news – iPhone and iPad users can now choose their monthly payment right at checkout with Flex on Apple Pay, online and in-app 🎉
We’re excited to be one of the first UK banks to offer this new feature.
Here’s how it works
First you’ll need to add your Flex card to Apple Wallet if you haven’t already, then:
Tap the Apple Pay button at checkout.
Select your Flex card and tap it to see your payment options. If Flex isn't your default card, go to Other Cards & Pay Later Options to select it.
Tap Pay in Full to checkout using your Flex default or tap Pay Later to choose your available, monthly payment options.
If you choose Pay Later, select the monthly payment that works best for you.
Complete your purchase securely with Face ID, Touch ID or your passcode.
If you choose Pay in Full in Apple Pay, we’ll use your default payment
Your default payment could be to pay in full on your next payment date or choose each time. If you’ve set your default payment to minimum monthly you won’t be able to use this new feature just yet. We’ll let you know when it’s available.
Flex Purchase Representative example: 29% APR representative (variable). £1200 credit limit. 29% yearly interest (variable).
Privacy and security built in
Apple Pay uses the security and privacy features built into your Apple devices, including Face ID and Touch ID. They’re designed so only you can make purchases with your Flex card.
All the flexibility you’re used to
You'll still get all the benefits of your Flex card when you check out with Apple Pay. So you won’t miss out on benefits like no fees when you pay abroad (Mastercard’s exchange rate applies) and your usual interest-free offers. You’ll also still get Section 75 Protection on eligible purchases. It means you might be able to get your money back if something goes wrong.
You’ll need the latest iOS version to try the new feature
You’ll need iOS 18 or iPadOS 18 or later. You can update your iPhone or iPad to the latest operating system by going to Settings on your device.
If you’re interested in Flex, you can see if you’re eligible with no impact to your credit score
You’ll need a Monzo current account to apply for Flex. Eligibility criteria and Ts&Cs apply. UK residents & 18+ years olds only. Missed payments may negatively impact credit scores. Find out more on the Flex webpage.
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.