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Flex Build | Credit Builder Card That Keeps Getting Better | Monzo
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class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Open a Monzo account"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div></div></header><main id="mainContent" class="Main_main__qK_Jw"><section class=" Section_section__mRxGN Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="HeroBanner_hero__8Phzz"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderRight__au5W_ Block_orderBottom__pqOc1 Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalSmall__i62HY Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="HeroBanner_heroMedia__1nKQ8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/7Fv5jBgWazMmSkkua312d6/9be5525f6b6b1009dad230f9931ae4d2/Monzo_Flex_Card_AnalogFolk_Digital_1x1_1__1_.png?w=2108&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/7Fv5jBgWazMmSkkua312d6/9be5525f6b6b1009dad230f9931ae4d2/Monzo_Flex_Card_AnalogFolk_Digital_1x1_1__1_.png?w=2108&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/7Fv5jBgWazMmSkkua312d6/9be5525f6b6b1009dad230f9931ae4d2/Monzo_Flex_Card_AnalogFolk_Digital_1x1_1__1_.png?w=2108&q=75" alt="" width="1054" loading="lazy"/></picture></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderLeft__kf4S1 Block_orderTop__qlV9j Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE HeroBanner_heroBannerBlockContent__stdAX"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h1 class="Title_title__6QR87 Title_coral__VkIrk text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="flex-build-the-credit-builder-card-that-keeps-getting-better">Flex Build. The credit-builder card that keeps getting better.</h1><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><ul class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class="">Can help <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/flex-build#can-help-build-your-credit-score-over-time"><span class="Button_text__S2FJ_"><strong>build your credit score</strong></span></a> over time</li><li class=""><div class="Text_text__CSJ_O"><p>See if you're eligible with no impact on your credit score</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Start with a credit limit up to £350 and get up to 2 limit increases in the first year</p></div></li><li class=""><div class="Text_text__CSJ_O"><p>Representative 39% APR (variable)</p></div></li></ul></div></div><div class="HeroBanner_buttonContainer__lO5NT"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Open a Monzo account</span></a></div><div class="HeroBanner_legalTextContainer__MDph9"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_legalText__DQPp3"><p>You’ll need a Monzo current account to apply for Flex Build. Eligibility criteria and Ts&Cs apply. UK residents & 18+ years olds only. Missed payments may negatively impact credit scores.<br/><br/>To open Flex Build, you <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/flex-build#what-is-a-security-deposit"><span class="Button_text__S2FJ_"><strong>may need to put down a one-time security deposit</strong></span></a> depending on your credit history.<br/><br/><strong>Representative example: 39% APR representative (variable). £350 credit limit. 39% yearly interest (variable).</strong></p></div></div><section class="Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalNone__oOOVI Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><ul class="LogoList_LogoList__jt7uX LogoList_desktopHorizontalLeft__6DJpE LogoList_mobileHorizontalLeft__WtGoC LogoList_marginMedium__R6FwZ LogoList_noWrap__Os0R1"><li><img class="Logo_Logo__DhKh1 Logo_large__x0lmA" src="https://images.ctfassets.net/ro61k101ee59/3BG7l6BqbCiuDWZPE0NBYv/b12a53e3f4f08c8713df4db9d99b8913/cass-lightmode.svg" alt="Current Account Switch Guarantee"/></li><li><img class="Logo_Logo__DhKh1 Logo_large__x0lmA" src="https://images.ctfassets.net/ro61k101ee59/70DYWtGzt1xvXOkYjFMJfy/a51745afec73eebea3489a674eaa23b3/FSCS-lightmode.svg" alt="Financial Services Compensation Scheme Protected"/></li></ul></div></div></div></section></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopxsmall__OWOPJ Section_paddingbottomxsmall__lbIl4"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopxsmall__OWOPJ Section_paddingbottomxsmall__lbIl4"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/4M9DOEarJPoH40d8Xhm61R/bc47017524a326b194c205038dd68ab3/FCI_Frame__2_.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/4M9DOEarJPoH40d8Xhm61R/bc47017524a326b194c205038dd68ab3/FCI_Frame__2_.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/4M9DOEarJPoH40d8Xhm61R/bc47017524a326b194c205038dd68ab3/FCI_Frame__2_.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa TextAndImageSection_title-large__j59fm"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="can-help-build-your-credit-score-over-time">Can help build your credit score over time</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Using Flex responsibly by paying on time and staying within your limit <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/flex-build#will-using-flex-build-help-build-my-credit-score"><span class="Button_text__S2FJ_"><strong>could help to build your credit score over time</strong>,</span></a> as we report your balance and repayments to credit reference agencies.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You can also use the free credit insights tool in the Monzo app to keep tabs on your TransUnion score and see the key factors impacting it.</p></div></div></div></div></div></div></div></div></div></section></div><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopxsmall__OWOPJ Section_paddingbottomxsmall__lbIl4"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingtopxsmall__OWOPJ Section_paddingbottomxsmall__lbIl4"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/0KGlmpMp3khe70pmUDU9k/305fa80d5c19ee6dc497cef92eb21b96/Frame_2091748837__4_.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/0KGlmpMp3khe70pmUDU9k/305fa80d5c19ee6dc497cef92eb21b96/Frame_2091748837__4_.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/0KGlmpMp3khe70pmUDU9k/305fa80d5c19ee6dc497cef92eb21b96/Frame_2091748837__4_.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa TextAndImageSection_title-large__j59fm"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="a-credit-builder-card-that-gets-better-over-time">A credit-builder card that gets better over time</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you keep making on-time monthly payments we could offer you up to 2 limit increases in the first year.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Just make sure you keep up to date with your bills and other repayments.</p></div></div></div></div></div></div></div></div></div></section></div><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingbottomxxlarge__BmDVb"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingbottomxxlarge__BmDVb"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/39XwwISM4DotWattb74ciI/8e30c9481a26cbe5da6fe2d93a428d22/Frame_2091748839.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/39XwwISM4DotWattb74ciI/8e30c9481a26cbe5da6fe2d93a428d22/Frame_2091748839.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/39XwwISM4DotWattb74ciI/8e30c9481a26cbe5da6fe2d93a428d22/Frame_2091748839.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa TextAndImageSection_title-large__j59fm"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="see-if-youre-eligible-without-affecting-your-credit-score">See if you’re eligible without affecting your credit score</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>It only takes 5 minutes to apply and we’ll give you an instant decision. If you’re approved you can start using Flex straight away.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>We’ll use a soft search to check whether you’re eligible, <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/flex-build#can-i-check-if-im-eligible-without-impacting-my-credit-score"><span class="Button_text__S2FJ_">which won’t impact your credit score.</span></a></p></div></div></div></div></div></div></div></div></div></section></div><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa"><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_ Title_marginBottom__TiQqA" id="its-a-credit-card-with-monzo-magic">It's a credit card with Monzo magic</h2><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Flex Build and <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/flex"><span class="Button_text__S2FJ_">Flex Purchase</span></a> are packed with features to give you clarity on your spending.</p></div></div></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/3nMRsBtnlDxdkhG3pdHXcB/c0fe05a8a808adf02da7a7e19ce66f4f/Book_with_confidence.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">No fees when you travel</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Pay abroad with no fees. We pass <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/ecb-rates"><span class="Button_text__S2FJ_">Mastercard’s exchange rate</span></a> directly onto you, without sneaky fees or extra charges.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/3Xy9vgvueDSpmjRAm0TdUT/7d1ae90fae6386621350ed30bd84c5cb/Percentage.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">0% interest when paying in full</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>We won’t charge you any interest when you pay for your purchase in full on your next monthly payment. For everything else it’s 39% APR representative (variable).</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/2fqMShmLplTx9idWYi865f/643c8a7518a036d0b3b91a5a858a8282/Icon_Box__11_.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Protect your purchases</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>If you buy something between £100 and £30,000, and it’s faulty or doesn’t turn up, you may be able to get your money back with <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/help/monzo-flex/monzo-flex-and-section-75/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Section 75 protection</span></a>.</p></div></div></div></div></div></div></div></section><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/1Zu2x457J3nFQ5M5zEYAQL/4f398cdd0b4b50e9ccf7f80199a15c82/FilledIcon_1.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Totally transparent</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>There are no sneaky fees or confusing terms. Everything’s broken down in plain English with no hidden costs.<br/></p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/RuouFlSlx83k18jp1tmCb/452d6877e5110dcd3c7d3ae17fb1eb90/flex.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">The flexibility you need</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>You can <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/help/monzo-flex/editing-monzo-flex-monthly-payments/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">edit your monthly payments at any time, without fees.</span></a> So all the control is in your hands.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/3YXbbTDF4DWcU0QkgErTqJ/e9bfff4309a68c523ad08c96177ee6e0/Monzo.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">The best of Monzo</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Get instant notifications, real-time balance updates and freeze and defrost your card, all from the app.</p></div></div></div></div></div></div></div></section><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa GenericTextBlock_headerSection__2kt7Z"><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopxxlarge__M7ZV5 Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingtopxxlarge__M7ZV5 Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_noBottomSpacing__4UApD"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_ Title_marginBottom__TiQqA" id="join-monzo-to-get-started">Join Monzo to get started</h2><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You need our <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/current-account"><span class="Button_text__S2FJ_">current account</span></a> to get Flex - it only takes 10 minutes to apply.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you already have a current account you can <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/-deeplinks/flex_journey_intro"><span class="Button_text__S2FJ_">apply for Flex in the Monzo app</span></a>.</p></div></div></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/QzbXNpfezJdTRhxAnRpxK/e17cc5a430c89fb5aa04865c4cd81978/download.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Download Monzo</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Get the free Monzo app for iPhone or Android.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/3YXbbTDF4DWcU0QkgErTqJ/e9bfff4309a68c523ad08c96177ee6e0/Monzo.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Sign up for a current account</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Follow the simple steps in-app, and have your photo ID ready.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/RuouFlSlx83k18jp1tmCb/452d6877e5110dcd3c7d3ae17fb1eb90/flex.svg" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">See if you're eligible</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Monzo customers can see if they’re eligible for a Flex Credit Card in minutes.</p></div></div></div></div></div></div></div></section><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomxlarge__oSYpM"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_secondary__tjeJr Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_paddingHorizontalNone__oOOVI Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Open a Monzo account</span></a></div></div></div></section><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa GenericTextBlock_headerSection__2kt7Z"><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_noBottomSpacing__4UApD"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_ Title_marginBottom__TiQqA" id="common-questions">Common Questions</h2></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Accordion_Accordion__a3Zuv Accordion_light__6aRHQ"><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="can-i-check-if-im-eligible-without-impacting-my-credit-score">Can I check if I’m eligible without impacting my credit score?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You’ll need a Monzo current account to apply for Flex. If you have one, you can apply in the Monzo app.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>When you apply for the Monzo Flex Credit Card we’ll run a “soft” credit check – this means we can check your eligibility and give you a personalised offer without impacting your credit file.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you decide to get Monzo Flex, we’ll let credit reference agencies know by running a “hard” search. This is something that most lenders have to do when you take out a new type of borrowing or credit. Generally, a hard search will have a small negative impact on your credit file but usually only for a few months.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="will-using-flex-build-help-build-my-credit-score">Will using Flex Build help build my credit score?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>We report how you use Flex Build to credit reference agencies. We tell them things like what your credit limit is, what your outstanding balance is and whether you’ve made your monthly payment on time. Staying within your credit limit and making your monthly payments on time will show other lenders that you can manage credit responsibly.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Your credit record has lots of factors that make up your credit score. How Flex impacts your credit score will depend on your other factors, including whether you’ve used credit before.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="what-is-a-security-deposit">What is a security deposit?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>We ask some customers for a one-time deposit based on their credit history, for example if you’re building your credit score from scratch, have recently moved to the UK or are looking to repair your score.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The deposit acts as a “security”, which means we’ll set it aside and you’ll only be able to access it in a few situations like to catch up with a missed payment or when you close your account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you use Flex responsibly, you’ll get an opportunity to get your deposit back in as little as 6 months. We’ll let you know more about that in the app.</p></div></div></div></details></div></div></div></div></section></main><div class="Footer_footerContainer__c1N4v Footer_forceDarkMode__Oimpe"><footer class="Footer_Footer__MDr8W Footer_forceDarkMode__Oimpe" role="menu"><div class="Footer_logo__tSFSn"><a role="menuitem" class="Footer_logoLink__gs4rX" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_location=footer&link_text=Monzo Bank&link_type=navigation&url=/&currentUrl=/flex-build" href="/"><img class="Footer_logoImage__XvGRA" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/monzo-logo-on-dark.a1b99872.svg" alt="Monzo Bank"/></a></div><div class="Footer_links__y6OjA"><ul><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/help"><span 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The current selection is United Kingdom" id="locale-button"><button aria-expanded="false" class="Footer_localeButton__pVOy1" data-monzoanalytics-action-id="open-locale-switcher" type="button">🇬🇧<!-- --> <!-- -->United Kingdom<!-- --> | <!-- -->English</button></nav></div><div class="Footer_appStore__xbjmA"><a aria-label="Download on the App Store" href="https://we83.adj.st/home?adj_t=1dj2rkno&adj_fallback=https%3A%2F%2Fmonzo.com%2Fdownload&adj_engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_appStoreButton__6VAjq undefined undefined null "><img width="150" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/47R5HVs5mn8kaXIb4IgfMJ/678738cebf35e278307695136c1be015/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt=""/></a><a aria-label="Get it on Google Play" href="https://app.adjust.com/1dxkjz95?fallback=https%3A%2F%2Fmonzo.com%2Fdownload&engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_playStoreButton__iOEvY undefined undefined"><img width="191" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/hegpnNpXJdP4GkCOqHf5K/5a7d44685d8703460ca8db539f8401d5/google-play-badge.png" alt=""/></a></div><div class="Footer_social__8eyG7"><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://twitter.com/monzo" rel="noopener noreferrer external" aria-label="Twitter"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/twitter.96ceda75.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.instagram.com/monzo" rel="noopener noreferrer external" aria-label="Instagram"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/instagram.1bbdc4ed.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.facebook.com/monzobank" rel="noopener noreferrer external" aria-label="Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/facebook.94997288.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.linkedin.com/company/monzo-bank" rel="noopener noreferrer external" aria-label="Linkedin"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/linkedin.9fc87684.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.youtube.com/monzobank" rel="noopener noreferrer external" aria-label="Youtube"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/youtube.8039ba10.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></div></footer><div class="Footer_copyrightNoticeContainer__JzD6V Footer_forceDarkMode__Oimpe"><div class="Footer_copyrightNotice__ZGhed"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><strong>Existing customers can get help via the app</strong></p></div><div class="Footer_termsContainer__qr7IS"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>Monzo Bank Limited is a company registered in England and Wales (No.09446231). 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