Hey folks 
Today I’m sharing some exciting news (which some of you may have spotted already!)
iPhone users can now choose a payment plan right at checkout with Flex on Apple Pay in-store, as well as online and in-app 
Here’s how it works
If you haven’t already, you’ll first need to add your Flex card to Apple Wallet and ensure your device is updated to the latest version of iOS, then:
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Double-click the side button on your iPhone and select your Flex card.
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Tap the payment option selector and select Pay Later.
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Follow the steps to choose a plan that works for you.
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Hold your iPhone near the reader to complete the purchase.
You can also choose to set up a payment plan after you’ve made an in-store purchase with your Flex card. Just tap Pay Later, then Set Up After Purchase at checkout.
If you choose Pay in Full on Apple Pay we’ll use your default payment
You can edit your payment plan in the Monzo app before your payment cycle closes, or change your default setting any time in the app.
Plan for your purchases
With iOS 26.1, you can also now calculate and pre-select your monthly payments before you make a purchase in-store. We’ll automatically apply your chosen plan at checkout when you pay before midnight the same day, with Flex on Apple Pay. No more last minute maths at the till.
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 26.1 or later to use this feature for in-store purchases. Online and in-app is available on iOS or iPadOS 18 or later.
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 page.
Apple’s terms and conditions for this feature:
Loans not offered by Apple. Subject to eligibility requirements and approval. Apple provides technical services for Paying Over Time on Apple Pay. Apple is not providing financial services, and all lending and payment services are provided to you by the relevant card issuer and lending provider. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available in-store on iPhone, and online and in-app on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.