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Credit card
Flex Build. The credit builder card that keeps getting better.
Double your limit, unlock 0% interest and give your credit score a helping hand.
Representative example
Representative APR
39% APR (variable)Credit limit
£750Yearly interest
39% (variable)
You’ll need a Monzo current account to apply for Flex Build. Eligibility criteria and Ts&Cs apply. UK residents & 18+ year olds only. Missed payments may negatively impact credit scores.
To open Flex Build, you may need to put down a one-time security deposit depending on your credit history.
The App Store, Google Play Store and Trustpilot ratings are correct as of 27 April 2026.
The card that grows as you do
Pay on time to unlock more
Make regular on-time payments to unlock new benefits, like higher credit limits and 0% interest.
Double your limit in 3 months
Unlock your potential with every payment. Start with a credit limit up to £750, stay on track and see that limit double in as little as 3 months.
Pay in 3, interest free
Keep making regular on-time payments to unlock 0% interest on purchases of £100 or more, paid over 3 months. That’s not just an introductory offer, so you can keep using it whenever.
Stay on top of other bills and payments
Pay all your lenders, landlords and utility companies on time to keep unlocking more benefits.
The best of Monzo in a credit builder card
Get instant notifications, real-time balance updates and freeze and defrost your card, all from the app. No hidden fees or confusing terms, just a flexible, transparent payment plan for every purchase.
Straightforward cashback
Earn cashback when you use your Flex card at top brands, and get your money in just a few days. Ts&Cs apply.
Flex on the fly
Add Flex to your digital wallet and use in-store, online and in-app straightaway, with no need for a physical card.
Total transparency
It's easy to see which purchases you're still paying for, which you've paid off and which have been refunded.
Give your credit score a helping hand
Using Flex Build responsibly shows you’re able to repay what you borrow. It means we can report on-time payments to credit reference agencies, which improves your credit score over time.
You can use our free credit insights tool alongside Flex Build to keep tabs on your score and see what’s impacting it.
Ready to Flex?
Join Monzo to apply in just a few steps.
Step 1
Open a free Monzo account
You need a free Monzo current account to apply for Flex Build. It only takes a few minutes to join, and comes with loads of innovative features to help you spend and save. Join Monzo today.
Step 2
See if you’re eligible for Flex
Check if you’re eligible in a few steps, without impacting your credit score.
Step 3
Get set up in seconds
Add Flex to your digital wallet and use it in-store, online and in-app straight away.
16 million personal and business customers have changed the way they bank
16 million personal and business customers have changed the way they bank
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Questions? Answers.
Can I check if I’m eligible without impacting my credit score?
You’ll need a Monzo current account to apply for Flex Build. If you have one, you can apply in the Monzo app.
When you apply for the Flex Build we’ll run a “soft” credit check – this means we can check your eligibility and give you a personalised offer without impacting your credit score.
If you decide to get Flex Build, 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.
Will using Flex Build help build my credit score?
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.
Your credit record has lots of factors that make up your credit score. How Flex Build impacts your credit score will depend on your other factors, including whether you’ve used credit before.
What is a security deposit?
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.
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.
If you use Flex Build 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.
Can I get a credit limit increase on my Flex Build card?
With Flex Build, you’ll start with a credit limit up to £750.
You can double your limit in three months by making three on-time payments in a row. If you miss a payment, you won’t be eligible for a credit limit increase.
After you’ve successfully doubled your limit by making three on-time payments, credit limit increases will work as normal. This means you can request a limit increase at any time in the app and we’ll see if you’re eligible.
How can I track my credit score with Monzo?
You can use our credit insights tool to track your TransUnion score and get a sense of the factors impacting your credit health and the steps you can take to improve it.
If you want a bit more visibility on how your credit health is tracking, our paid plans (Extra, Perks or Max) allow you to view scores (TransUnion and Equifax) and learn about more ways to improve your credit health.