Mastercard0/4 on file
Annual fee not published where we checked
Monzo · Mastercard
Monzo Flex Build
The Monzo Flex Build is a Mastercard from Monzo. Monzo does not publish its annual fee where we checked (October 2026), so we leave it blank rather than guess. Here is what we hold on it, and what we do not.
Annual feeNot confirmedNot published by the issuer where we checked ()
Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerNot confirmedNot published by the issuer where we checked ()
Opens Monzo’s site
Ledger entry
The receipt
Every cost line we hold for the Monzo Flex Build, exactly as recorded.
- Annual fee
- Not confirmedNot published by the issuer where we checked ()
- Supplementary card
- Not confirmed
- Foreign transaction
- Not confirmedWe couldn't verify this · check with the issuer
- Purchase APR
- 39%Checked monzo.com
- Income requirement
- Not confirmed
- Network
- Mastercard
- Credit needed
- Not confirmed
Sign-up
The welcome offer
No welcome offer on file
Not published by the issuer where we checked ()We hold no published welcome offer for the Monzo Flex Build. That may mean there isn’t one, or simply that we have not recorded it — Monzo’s own page is the place to check.
Rewards
What it earns
No earn rates on file
Not published by the issuer where we checked ()We hold no category earn rates for the Monzo Flex Build. Rather than print a multiplier we cannot source, this stays blank until Monzo’s own terms give us one.
Next step
Ready to apply for the Monzo Flex Build?
You'll finish the application on Monzo's own site. Terms can change without notice, so check the fee and offer there before you commit.
Apply nowOpens Monzo’s site
Questions
Questions about the Monzo Flex Build
How much is the Monzo Flex Build annual fee?
Monzo does not publish an annual fee for the Monzo Flex Build where we checked (October 2026), so we do not print one. Ask Monzo for the current fee before you apply.
What does the Monzo Flex Build earn?
Monzo does not publish category earn rates for the Monzo Flex Build where we checked (October 2026), so we do not print a multiplier.
What network is the Monzo Flex Build on?
The Monzo Flex Build runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.
Is the Monzo Flex Build available in United Kingdom?
Yes — the Monzo Flex Build is issued by Monzo and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.
When were the Monzo Flex Build figures last checked?
We checked its purchase APR in September 2026, against a published document. Not published by Monzo where we checked: annual fee, earn rates and welcome offer. We could not verify, so we do not print: foreign transaction fee. Check them with Monzo. Terms can change without notice, so confirm the current details with Monzo before you apply.