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Reply-To: <email-marketing@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: Say hello to the Monzo Flex Credit Card
Date: Fri, 5 Dec 2025 10:54:17 -0000
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With even longer to pay at 0% interest
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏
<https://clicks.monzo.com/f/a/fMU-t47queam0fX7ODcZUw~~/AAAHahA~/dlL0mcUoGIAYwR5ROlnX6oTd8BUynhML8h3kJLNIuE9dh__3TXRyGMUjf_8fR52hLbHX4mi2wLL1CwKVgFvsFGg8SUevEq-Kn7l8bTssRJA~>
Meet Flex. An award-winning credit card.
<https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/BfucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1Bg~~>
With 0% interest over 12 months
We're offering a longer 0% interest option to new Flex customers, for the
first 12 months after getting the credit card.
If eligible, you'll have the option to pay for purchases of £100 or more
over 12 months at 0% interest - so you can fit a holiday or high-tech sound
system into your budget, and leave your savings where they are.
You'll need to apply and be approved for Flex before 10 January 2026 to get
the offer.
Representative example: 29% APR representative (variable). £1200 credit
limit. 29% yearly interest (variable).
Check eligibility
<https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/BfucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1Bg~~>
Eligibility criteria and Ts&Cs apply. UK residents & 18+ years olds only.
Missed payments may negatively impact credit scores.
Not your average credit card
<https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/BfucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1Bg~~>
0% options that won’t expire
Paying in full or over 3 months on purchases of £100 or more is interest
free. These aren’t just introductory offers, so you can keep using them.
<https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/BfucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1Bg~~>
No fees overseas
Pay anywhere, in any currency, fee free. We’ll charge you Mastercard’s
exchange rate and nothing extra.
<https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/BfucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1Bg~~>
Section 75 protection
Eligible purchases made with your Flex Credit Card are covered by Section 75
Protection. It means you could get your money back if something goes wrong.
<https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/BfucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1Bg~~>
All the best bits of Monzo
Get instant notifications, real-time balance updates and freeze and defrost
your Flex card, all from the app.
Explore Flex
<https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/BfucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1Bg~~>
Before you get started
Need more time to pay? You can edit your monthly payments.
If you switch from an interest‑free monthly payment to a longer‑term one,
you won't be able to switch back to interest free (for that purchase).
Need more time to pay? You can edit your monthly payments.
If you haven't caught up after 7 days, we'll move you to the longest monthly
payment available for each purchase at your personalised rate. You won't be
able to switch back to interest free.
Need more time to pay? You can edit your monthly payments., we'll report
your account as being behind to credit reference agencies. This might
negatively impact your credit score and make it harder to borrow in the
future.
Need more time to pay? You can edit your monthly payments.
We’ll always do whatever we can to help. You can read more about how Flex
works in our Monzo Flex help articles.
We're an authorised and
regulated bank
<https://clicks.monzo.com/f/a/kotf562Th5i5UnDGnHeAFw~~/AAAHahA~/OCtEyB-cA-Lie08a85cznliOHtWczA6hUBuZisMRvRd9y5B_6H25h1TlmD0liiy46Rs87aaQSRM9Ss54x0lmz3jupLh3b35sT6qNrlpOmpCxJOsNJ7RV2_QIE9TYmvV4cgNc1z43VgYA_LFyghSQbQ~~>
<https://clicks.monzo.com/f/a/UpcMseNrgtbVDgxtDKZj1Q~~/AAAHahA~/fFit_zv0zFo2l-XjLsAQEwA1QHR6yk_HUvcMeYwP6P17GVt65WD2huCoPg_-w2lpySd0L6ky-q9zBSh0bVMuH5yHlbHkVjOGS98dtuFJK1g~>
<https://clicks.monzo.com/f/a/w_H2xHd6uQ7LWHIDQXQoNw~~/AAAHahA~/iFkkq2LH-OQMG1daATCDR5CAzrhiEdvJ4sDh1GnfzvKw2BoPmL9VuLNdp7-SL60xq5moFpUf7tcg6fjNkfDJDvE1A6pDZowZfQKXwKKGpc7zyipXBF2f8-QTJydsywzIKRJOyZE1f9SJ79g9gQqurunyQOGSFoJDMgTN_R2h1Csij23nfwlsHD6ROIrh08eOZkzuGCXbb1B295NXlL8zdA~~>
<https://clicks.monzo.com/f/a/cdLJtth-C9ViFj4N6qf9uA~~/AAAHahA~/kkUmhKQKAklOPCmsG6FkfBCIZ9mz_oJi2YuzYUWo8R9isGVgKNlk3-In4bei9FVyZGhDEsHW2m-yGAbTdBjqv4eeLreG6Loj5Fj20ZxiaoUfj-yKlkpwMzebIQ18P1FK>
<https://clicks.monzo.com/f/a/Lu9yKe-HVNyB_0Wgc_1rdg~~/AAAHahA~/K9bxQaUR_ceEqb6-FPEst-ZgZaXLacuGgRFx3rRHyc9AKJ4JzRdRVrM1u_1adYQ09OCgBVR_zweNgvpdUfIGsO6tiHPuBRmMcRpUzezgeGYMcBZmXjTbRjNiPVeyCfTu>
Don’t want to hear from us again?
You can unsubscribe
<https://clicks.monzo.com/f/a/zeGFzisO_q0a1P3vhnqSng~~/AAAHahA~/TtqP2FqSVH_jfE5huQtnDnpeLhiOBcmK_j3fc4syf24iyhWNmRoT0NqaFD8O1_X7QCZL_5uIej9Bh724c0mmScVkJ0fD3HnU8uCyvA9xW2zE007hU09_D2rMh4sUGQQY7HnXs0NMY4ErbBxnJazvng~~>
at any time. No hard feelings.
Monzo Bank Limited is a company registered in England and Wales
(No.09446231) registered at Broadwalk House, 5 Appold Street, London EC2A
2AG.
Monzo Bank Ltd is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our Financial Services Register number is 730427.
<https://clicks.monzo.com/f/a/fM6nyjAMjnV_pAhQS6j8Xw~~/AAAHahA~/hTyrzSGJipz2oC1FrlbYfYRecdeBYp6HWpF4SE79HjjSDvL0Z_TaitsyhZfFib7xtw7CCFCCnG_Onv22dlCCoLM9HLDE4NBsa5z3U7UxVvq597tYyOsOKxiOxBRIbJx44O4F0QwTOSD3zxtceJeZWQ~~>
<https://clicks.monzo.com/f/a/uLMiFUE7OFzGkBQIVeOVCg~~/AAAHahA~/SAwnJKYP5oueuktokKEtCNTQiHZqjK2P9TfIICH8rFKwRGsKbnbtSibFHrt2hr28tiL2H7kzAYCFY4lvPxYDPYxk0j3tXDiLBKa_kV8QeeX4nadRzi8fjGMiPCw8cEno>
<https://clicks.monzo.com/f/a/uslSH8OWppbsW8_NOk-64Q~~/AAAHahA~/gEGZNqDQglBr3hGBTS7H_rGCi0Q3YCmmaGXIevyquZNkk6ckszj4vegjh9-B07dffb6UcopMFIgv7Nq51ofxr8-EgWDZEFnIYeYZxU2X6n7O4dffAdk5ucfGSC4rZt1b>
<https://clicks.monzo.com/f/a/fMU-t47queam0fX7ODcZUw~~/AAAHahA~/dlL0mcUoGIAYwR5ROlnX6oTd8BUynhML8h3kJLNIuE9dh__3TXRyGMUjf_8fR52hLbHX4mi2wLL1CwKVgFvsFGg8SUevEq-Kn7l8bTssRJA~>
<https://clicks.monzo.com/q/fGJNOT9Cw-yiuoD32rhRww~~/AAAHahA~/JXqbZL4V5hx5wuJAZ8Yuifc-LaSVMM4PfeO6gadjcKdbb7wLsgDiAq-sK2KGdPrZOZQkmglzmKEBpjOFJOzLlw~~>
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<title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
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e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=0A=
=0A=
=0A=
=0A=
With even longer to pay at 0% interest=0A=
</div>=0A=
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!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
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<td class=3D"pt-25 pr-25" align=3D"right" style=3D"padding:55px =
50px 25px 20px;">=0A=
<a =
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=0A=
=0A=
Meet Flex. =
An award-winning credit card.=0A=
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<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69209f5f0f0c800f1e845d2d/original.png?1763745630" class=3D"fullWidth" =
border=3D"0" style=3D"outline:none; text- decoration:none; =
-ms-interpolation-mode: bicubic; border:none; =
display:block;width:510px;border-radius:20px;" width=3D"510" =
alt=3D"Customer paying with their flex card">=0A=
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<!-- Header End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode2" =
align=3D"left" style=3D"padding:0px 45px 30px;background-color: =
#F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"Font2 ptb-25" =
align=3D"left" style=3D"padding:20px 0px 10px 0px;">=0A=
<h2 class=3D"h2 =
darkmodeFont2" style=3D"font-family:'MonzoSansEB', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:28px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;;margin:0;padding:0">=0A=
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With 0% interest over 12 =
months=0A=
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</td>=0A=
</tr>=0A=
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<tr>=0A=
<td class=3D"Font2 pt-0 pb-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont2" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
=0A=
We're offering a longer =
0% interest option to new Flex customers, for the first 12 months after =
getting the credit card. <br><br>=0A=
=0A=
If eligible, you'll have =
the option to pay for purchases of =C2=A3100 or more over 12 months at =
0% interest - so you can fit a holiday or high-tech sound system into =
your budget, and leave your savings where they are.<br><br>=0A=
=0A=
You'll need to apply and =
be approved for Flex before 10 January 2026 to get the offer.=0A=
</p>=0A=
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<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth =
darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;background-color:#F2F8F3" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" =
class=3D"fullWidth darkmode2" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;background-color:#F2F8F3" role=3D"presentation">=0A=
<!-- Subheader Start -->=0A=
<tr>=0A=
<td width=3D"45"></td>=0A=
<td class=3D"darkmode2" =
align=3D"left" style=3D"background-color:#F2F8F3">=0A=
<div =
style=3D"border:1px solid #A3DC1A; border-radius:20px;padding:20px 20px =
20px 25px;background-color:#ffffff;">=0A=
<h6 =
class=3D"pre-header darkmodeFont3" =
style=3D"padding:0;margin:0;font-family:'MonzoSansEB', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:20px;mso-line-he=
ight-rule:exactly;color:#4B4F54;text-align:left;font-weight:normal =
!important;">=0A=
Representative =
example: 29% APR representative (variable). =C2=A31200 credit limit. 29% =
yearly interest (variable).=0A=
</h6>=0A=
</div>=0A=
</td>=0A=
<td width=3D"45"></td>=0A=
</tr>=0A=
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</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
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<!-- Module 1 Notifications End -->=0A=
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<!-- CTA x 1 Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" =
class=3D"darkmode2 fullWidth" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<tr>=0A=
<td =
style=3D"border-radius:25px;padding-top:30px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"pl-25" =
style=3D"padding-left:40px;">=0A=
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</td>=0A=
<td align=3D"center" =
style=3D"border-radius:20px;;">=0A=
<table =
align=3D"left" class=3D"fullWidth" width=3D"510" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;" role=3D"presentation">=0A=
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<!-- CTA =
Start -->=0A=
<tr>=0A=
<td =
align=3D"left" style=3D"padding:0px 0px 30px">=0A=
<div>=0A=
=
<!--[if mso]>=0A=
=
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/Bf=
ucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe=
5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1=
Bg~~" style=3D"height:40px;v-text-anchor:middle;width:280px;" =
arcsize=3D"63%" stroke=3D"f" fillcolor=3D"#218FB7">=0A=
=
<w:anchorlock/>=0A=
=
<center>=0A=
=
<![endif]-->=0A=
=
<a class=3D"fullWidth" =
href=3D"https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/Bf=
ucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe=
5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1=
Bg~~" target=3D"_blank" =
style=3D"background-color:#218FB7;border-radius:25px;color:#ffffff;displa=
y:inline-block;font-family:'MonzoSansB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:800;font-size:16px;line-height:40px;text-align:cen=
ter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Chec=
k eligibility</a>=0A=
=
<!--[if mso]>=0A=
=
</center>=0A=
=
</v:roundrect>=0A=
=
<![endif]-->=0A=
=
</div>=0A=
</td>=0A=
</tr>=0A=
<!-- CTA End =
-->=0A=
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Paragraph Start -->=0A=
<tr>=0A=
<td =
class=3D"Font2 pt-0 pb-0" align=3D"left" style=3D"padding:0px 0px 20px =
0px;">=0A=
<p =
class=3D"p darkmodeFont2" style=3D"font-family:'MonzoSansR', Tahoma, =
Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
=
Eligibility criteria and Ts&Cs apply. UK residents & 18+ years =
olds only. Missed payments may negatively impact credit scores.=0A=
=0A=
=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- =
Paragraph End -->=0A=
</table>=0A=
</td>=0A=
<td class=3D"pl-25" =
style=3D"padding-left:40px;">=0A=
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</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
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-->=0A=
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<tr>=0A=
<td align=3D"center" style=3D"padding-bottom:0px;">=0A=
<table align=3D"center" class=3D"fullWidth =
darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<!-- Title Copy Start -->=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding:25px 20px 30px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"550" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:550px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"h2 =
darkmodeFont2" align=3D"center" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:32px;line-height:40px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:center;padding:0px 0px 0px =
0px;">=0A=
Not your average credit card =
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Title Copy End -->=0A=
<!-- Row 1 Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25" =
align=3D"center" style=3D"padding:0px 45px 0px 45px;border-radius:20px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"border-radius:20px;">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
<tr>=0A=
<td =
valign=3D"top" =
style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile mb-30 darkmode">=0A=
<table =
align=3D"center" class=3D"fullWidth mobile" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%" role=3D"presentation">=0A=
<tr>=0A=
<td =
width=3D"24" style=3D"display: block;width:24px;">=0A=
=
=0A=
</td>=0A=
<td>=0A=
=
<table class=3D"fullWidth mobile" align=3D"center" width=3D"100%" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
=
<tr>=0A=
=
<td height=3D"30">=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Image Start -->=0A=
=
<tr>=0A=
=
<td class=3D"fullWidth mobile" align=3D"center">=0A=
=
<!-- insert URL in href -->=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/Bf=
ucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe=
5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1=
Bg~~" target=3D"_blank">=0A=
=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6916f3df38310c0070676f27/original.png?1763111902" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:190px;width:190px" =
width=3D"190" alt=3D"Placeholder">=0A=
=
</a>=0A=
=
</td>=0A=
=
</tr>=0A=
=
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=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px 0px;">0% =
options that won=E2=80=99t expire=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">Paying in full or over 3 months on purchases of =C2=A3100 or more =
is interest free. These aren=E2=80=99t just introductory offers, so you =
can keep using them. =0A=
=
</td>=0A=
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</tr>=0A=
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<td height=3D"30">=0A=
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<td =
width=3D"24" style=3D"display: block;width:24px;">=0A=
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</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
<td width=3D"30" =
class=3D"hide-mobile" style=3D"display: block;">=0A=
=0A=
</td>=0A=
<td =
valign=3D"top" =
style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile darkmode">=0A=
<table =
align=3D"center" class=3D"fullWidth mobile" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%" role=3D"presentation">=0A=
<tr>=0A=
<td =
width=3D"24" style=3D"display: block;width:24px;">=0A=
=
=0A=
</td>=0A=
<td>=0A=
=
<table class=3D"fullWidth" align=3D"center" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
=
<tr>=0A=
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<td height=3D"30">=0A=
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</td>=0A=
=
</tr>=0A=
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<!-- Image Start -->=0A=
=
<tr>=0A=
=
<td class=3D"fullWidth mobile" align=3D"center">=0A=
=
<!-- insert URL in href -->=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/Bf=
ucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe=
5pk_qFeCiIy67zvBbFelRbnzXAqUjoOS_pvOVN-o9xIkk-xaBivzbIQMgK82IsfdLX_fP42Z1=
Bg~~" target=3D"_blank">=0A=
=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6916f3df08d6ad006f0c88a8/original.png?1763111902" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:190px;width:190px" =
width=3D"190" alt=3D"Placeholder">=0A=
=
</a>=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Image End -->=0A=
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<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px 0px;">No =
fees overseas=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">Pay anywhere, in any currency, fee free. We=E2=80=99ll charge you =
Mastercard=E2=80=99s exchange rate and nothing extra. =0A=
=
</td>=0A=
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</tr>=0A=
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<!-- Copy End -->=0A=
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<td height=3D"30">=0A=
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</td>=0A=
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</tr>=0A=
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</table>=0A=
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<td =
width=3D"24" style=3D"display: block;width:24px;">=0A=
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</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Row 1 End -->=0A=
<tr>=0A=
<td height=3D"30">=0A=
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</td>=0A=
</tr>=0A=
<!-- Row 2 Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25" =
align=3D"center" style=3D"padding:0px 45px 0px 45px;border-radius:20px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding-bottom:30px;border-radius:20px;">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
<tr>=0A=
<td =
valign=3D"top" =
style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile mb-30 darkmode">=0A=
<table =
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<td class=3D"fullWidth mobile" align=3D"center">=0A=
=
<!-- insert URL in href -->=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/Bf=
ucoqRKIncubjgwj28fXgLHg1Xa2pxossAysU4v5FJOYxVYMZjZpbZRc-wOy4dsSpBm41UHdRe=
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<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6916f3df2796360072a2816f/original.png?1763111902" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
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<td class=3D"darkmodeFont2 h4" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
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ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px =
0px;">Section 75 protection=0A=
=
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=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
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ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">Eligible purchases made with your Flex Credit Card are covered by =
Section 75 Protection. It means you could get your money back if =
something goes wrong.=0A=
=
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=
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=
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<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6916f3df1238c30063eef5a2/original.png?1763111902" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:190px;width:190px" =
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=
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=
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style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px 0px;">All =
the best bits of Monzo=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">Get instant notifications, real-time balance updates and freeze =
and defrost your Flex card, all from the app.=0A=
=
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href=3D"https://clicks.monzo.com/f/a/n1mun6ekZVIWk-8zCg9_6w~~/AAAHahA~/Bf=
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ore Flex</a>=0A=
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cellpadding=3D"0" =
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cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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100%;" role=3D"presentation">=0A=
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<td =
class=3D"h2 darkmodeFont2" align=3D"left" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:28px;line-height:36px;mso-line-heig=
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=
Before you get started =0A=
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<!-- Title End -->=0A=
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<td =
style=3D"padding:0px 0px 30px 30px;">=0A=
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cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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ight-rule:exactly;color:#112231;text-align:left;padding-right:20px;">=0A=
<strong>Need more time to pay? You can edit your monthly =
payments.</strong><br>=0A=
If you switch from an interest=E2=80=91free monthly payment to a =
longer=E2=80=91term one, you won't be able to switch back to interest =
free (for that purchase).<br><br>=0A=
<strong>Need more time to pay? You can edit your monthly =
payments.</strong><br>=0A=
If you haven't caught up after 7 days, we'll move you to the longest =
monthly payment available for each purchase at your personalised rate. =
You won't be able to switch back to interest free.<br><br>=0A=
<strong>Need more time to pay? You can edit your monthly =
payments.</strong>, we'll report your account as being behind to credit =
reference agencies. This might negatively impact your credit score and =
make it harder to borrow in the=C2=A0future.<br><br>=0A=
<strong>Need more time to pay? You can edit your monthly =
payments.</strong><br>=0A=
We=E2=80=99ll always do whatever we can to help. You can read more about =
how Flex works in our Monzo Flex help articles.=0A=
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<td width=3D"70">=0A=
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<td>=0A=
<table =
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cellspacing=3D"0" cellpadding=3D"0" =
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class=3D"pt-15 darkmodeFont3" style=3D"font-family:'MonzoSansEB', =
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<tr>=0A=
<td>=0A=
=
<table align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
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<tr>=0A=
=
<td class=3D"mobile fullWidth pb-25" valign=3D"middle" =
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<a =
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style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
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alt=3D"Best British Bank 2025">=0A=
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</a>=0A=
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</td>=0A=
=
<td width=3D"20" class=3D"hide-mobile">=0A=
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=
</td>=0A=
=
<td class=3D"mobile fullWidth" valign=3D"middle" align=3D"center">=0A=
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<a =
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it_zv0zFo2l-XjLsAQEwA1QHR6yk_HUvcMeYwP6P17GVt65WD2huCoPg_-w2lpySd0L6ky-q9=
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<img align=3D"center" =
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es/688b7be2e7def60880310b99/original.png?1753971682" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:157px;" width=3D"157" =
alt=3D"Best Credit Card 2024">=0A=
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<td =
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<table align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
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Monzo Bank Limited is a company registered in England and Wales =
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Monzo Bank Ltd is authorised by the Prudential Regulation Authority and =
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