Monzo Flex Build

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Monzo · MASTERCARD

The Monzo Flex Build is a credit card from Monzo on the Mastercard network. It has an annual fee of £0.

Verified 24 Oct 2026

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Key facts

Annual fee: £0
Purchase APR: 39% APR representative (variable)
Foreign transaction fee: None
Network: MASTERCARD

Benefits and perks

Starting credit limit up to £750
0% interest if you pay in full
Flex purchases from the last two weeks onto a payment plan
No extra charges for missed payments; 7 days to catch up
Section 75 protection on eligible purchases
No fees overseas: Mastercard's exchange rate and nothing else
Cashback at selected brands
You need a Monzo current account to apply
May need a one-time security deposit, depending on your credit history

Questions about the Monzo Flex Build

What is the annual fee on the Monzo Flex Build?

The Monzo Flex Build has an annual fee of £0.

Is the Monzo Flex Build worth it?

The Monzo Flex Build is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.

Community

Approval and real earn reports from cardholders are coming to this page soon.

Monzo Flex Purchase£0 annual fee

Not sure this is the right card for you?

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