Monzoâ„– 1
Monzo Flex Build
Mastercard issued by Monzo.
Credit BuildingNewcomers
Annual feeNot confirmed
Top earn rateNot confirmed
Secured
Best Secured credit cards in United Kingdom
Secured credit cards in United Kingdom are backed by a refundable deposit, which opens them to people with little or damaged credit history.
*a card is filed here when its name says secured, when the issuer reports it as a secured card in the CFPB's credit card survey (US), or when the source listing we imported it from files it that way.
- 2
- Secured cards filed
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2 cardsAll Secured cards in United Kingdom
NatWestâ„– 2
NatWest Credit Builder Card
Mastercard issued by NatWest.
Credit BuildingNo Annual Fee
Annual feeÂŁ0per year
Top earn rateNot confirmed
Questions
Frequently asked
What is the best secured credit card in United Kingdom?
The best secured card in United Kingdom depends on your spending and goals. We list every secured card we hold — 2 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.
How do I choose a secured credit card?
Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.
Can I combine a secured card with other cards?
Yes. Many people pair a secured card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.
How do I know these secured card details are current?
Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.