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Monzo Credit card
Monzo Flex Build
No rewards
MASTERCARD
Apply for Monzo Flex Build

On Monzo's secure site

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Credit card Monzo Mastercard

Card review

Monzo Flex Build

4.3 4.3 out of 5 8.6/10 DebitCue Score Verified

Build your credit history with a deposit-backed card

Fee
No fee
Purchase APR
from 39%
Interest-free
-
Foreign fee
None

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee
  • No foreign transaction fees
  • Pay in installments

Worth weighing

  • No rewards programme
  • High interest if you carry a balance

Who It Is For

Whether the Monzo Flex Build fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who pay big purchases off over time

Skip it if you are

  • Rewards-chasers

Rates and fees

As of

All amounts shown in GBP.

Card fee
No fee
Purchase APR
from 39%
Interest-free period
-
Foreign transaction fee
None
Representative APR (spread payments)
39% (variable)
Interest when paid in full monthly
0%
Initial credit limit
Up to £250 (deposit-backed); up to £750 over time

Rewards and features

Installments
Pay in full each month at 0% interest; or spread payments over 1–24 months at 39% APR (variable). No early or late repayment fees.
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Deposit interest
2.75% AER on held deposit

Benefits and perks

Extras that come bundled with the card.

  • Builds UK credit history; deposit earns 2.75% AER interest

Eligibility

What you need before you apply.

Requirements
18+, UK resident, existing Monzo current account, targeted at thin/poor credit profiles

Monzo Flex Build: your questions answered

Does the Monzo Flex Build have a card fee?
No - the Monzo Flex Build has no card fee.
Does the Monzo Flex Build charge foreign transaction fees?
No - the Monzo Flex Build has no foreign transaction fees, so it suits spending abroad.
What is the interest rate on the Monzo Flex Build?
The Monzo Flex Build has a purchase APR of from 39%.
Can I pay in installments with the Monzo Flex Build?
Yes - Pay in full each month at 0% interest; or spread payments over 1–24 months at 39% APR (variable). No early or late repayment fees..
Is the Monzo Flex Build a credit, debit or prepaid card?
The Monzo Flex Build is a credit card issued by Monzo on the Mastercard network.
Does the Monzo Flex Build support Apple Pay and Google Pay?
Yes - the Monzo Flex Build works with both Apple Pay and Google Pay.
Where can I get the Monzo Flex Build?
The Monzo Flex Build is currently offered in United Kingdom.
How does DebitCue rate the Monzo Flex Build?
DebitCue rates the Monzo Flex Build 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Monzo Flex Build?
Use the Apply now button to continue on Monzo's secure site. Comparing and applying through DebitCue is free.

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