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Reply-To: <email-marketing@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: Need a bit more time to pay?
Date: Sun, 18 Jan 2026 15:54:45 -0000
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Flex transactions from the last 2 weeks
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
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͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏
<https://clicks.monzo.com/f/a/NkV_eKswMwXZ-2w1u3wBzg~~/AAAHahA~/Eu_TYp1FeEU348XHie83jNjsBVJlIETY9R1BJ1dkIaUhCw1cvWANSEoD5TAtDQMFRs8-c4DtDIMeB6XQ_jkaF5_OR7-kLuL15WYVwn8xf7k~>
Flex. Not your average credit card.
<https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
Flex transactions from the last 2 weeks
Unexpected bill? Need some wiggle room? You can Flex any Monzo transaction
from the last two weeks and pay in up to 24 monthly payments. We'll put the
money back in your account straightaway.
Representative example: 29% APR representative (variable). £1200 credit
limit. 29% yearly interest (variable).
Eligibility criteria and Ts&Cs apply. UK residents & 18+ years olds only.
Missed payments may negatively impact credit scores.
Explore Flex
<https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
We’ll check your latest information to see whether you’re eligible for Flex,
which won’t impact your credit score. If you decide to get Flex, we'll let
credit reference agencies know by running a hard search.
<https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
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/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
No fees overseas
Pay anywhere, in any currency, fee free. We’ll charge you Mastercard’s
exchange rate
<https://clicks.monzo.com/f/a/Bo2OziqGoZbB0TYy7pYpOw~~/AAAHahA~/Py1ranhPcx0zhP2eneBT9WHbBGskc2HGaW63i8pX9iKmVh81dSXGIKGcsmlehIFS7h5ENgnIUqAvYfW5mKhXq-htKN9qRbxdDC-Hc4x-sbAewXDYHepIWzxLRzyIekk1>
and nothing extra.
<https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
All the best bits of Monzo
Get instant notifications, real-time balance updates and freeze and defrost
your Flex card, all from the app.
<https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
Section 75 protection
Eligible purchases made with your Flex Credit Card are covered by Section 75
Protection
<https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
. It means you could get your money back if something goes wrong.
See more
<https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uGCsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98GSxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6>
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).
If you miss a payment, you won't pay fees and we'll give you 7 days to catch
up.
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.
If we still can't take your payment, 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.
Talk to us if you’re worried about making a payment
We’ll always do whatever we can to help. You can read more about how Flex
works in our Monzo Flex help articles
<https://clicks.monzo.com/f/a/G_oJhMxOl0OZXT94Tf-g7g~~/AAAHahA~/3tq1-KnzAXzwDCt7zFNiPOU4pegmZXSiPHAd9tL_YlfTQE-wK5tF3HMFlM-QEGAFvnayhTd-8khGAfgFiGdFfZQZI2GFhX1NrjkDvPWPWnTYW9w7_qKFs-zO76LGBkHd>
.
We're an authorised and
regulated bank
<https://clicks.monzo.com/f/a/nh2H9qiPHr8Uk0g9MCM3Xg~~/AAAHahA~/kLs7jhi6oe73G5rGMoe_TreYNf75OIQ4Hyv9JcJRlbmi-AHG-zH_VMTw_xFXHvWC9dXaloCSuYxw7V8yTn6BOT33c_4PfKGWlwLGM5Jr7mv6Ilur-FUyKqjOD6uwmKTYCzI3_spXCMytvEAMJq4kPQ~~>
<https://clicks.monzo.com/f/a/jl9VUEnu6Td2PKmFJtE6sQ~~/AAAHahA~/gSdX-JHqHMWRija8M7w7GSWUganX6nSYlzVelpScaa_kXkisNP2JSLt9OlAYXOfkGaO4R6fKidfnmTHnZXVM-E_osNRCxkIKl9R85NFXsA4~>
<https://clicks.monzo.com/f/a/oKyFQyuvFR5Occ0x0CEjnA~~/AAAHahA~/o_eV--sgrXBIAnIC1Ti9Ul9kCFlEMgeC2zWH8z0HVU1wx4QXsb_aEmQu-wCGTK_HTgzA9JFntLAPzhQ8vKiC5fy0bLR1Jbu5Eh4IpLRPL9kSCKhkdKvOXC4LqKZ4xYAIgw7hZXpxorJh31YXA_Kww5rBpy3Sti22Mbe1DwlIigSqof0Y6xoPDDrc1QDxrGSUXCtMKsctiBWquTBm17fuTA~~>
<https://clicks.monzo.com/f/a/wkD4oPSmLru7X_X5I4N6OA~~/AAAHahA~/jj6y-RjvvAc1Z99yxORJZcHTmCENVdG3A5yEOh8OndU1T4rPHtC5_bKkCfFTOu1HLlK_0LC8twcuiDjVm0pvr874JjUQQo62m82Q0O94ESjJ7DwaBltUqcTtN96BaaL2>
<https://clicks.monzo.com/f/a/wikPt39GHu5mpJnecddDzg~~/AAAHahA~/iIq_VGhgL0LIxBzXY61Uiel7SbiaZQya6KLPDVbe_GEmqfnLfaSNFiEeOviQ5CBYRl5MttnMqTW7ZPcZXH2VFRdF1SIZbsKnfBmbYnShqNaelKloUTMggEunxdMKWVuP>
Don’t want to hear from us again?
You can unsubscribe
<https://clicks.monzo.com/f/a/hB7HDd9kpIwesqLnlckPWA~~/AAAHahA~/Ff7ZRV5G0Mz5KMzUmGAePcz265HNSS8hRueIrTZhwq9mhOiiOMWstlkNT7A29i0KTFcOChp0JaeUTRR58W15-poGwpl5ZEqP3EfJK0hO7iDsAFjnnZnaAN0R6wYheA1sqSBHaprE_ceONuniFiZQOQ~~>
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/wD_Fwg2CYq6FZA3tbzmwog~~/AAAHahA~/-ErV3ylCFP1RouSXh2ztsMmhFT0ZIkauIj3U2Ch86ILw3fLUuhLalfK-auTxiBF3KXU5ARwelb6zvQ1SyyxqZ7KCjZqdThXkv3ZYVQABSEq-I9oK-B16OdjNvcWH5-3C-sJyUIRN2rxM-HqIigoqbQ~~>
<https://clicks.monzo.com/f/a/wXb73nfxn2xqpYpmU3qblg~~/AAAHahA~/fCbhkqCzqb9eOojVJv0X11Z6iH5yIm9iTccFt1IUumicVvq-3DGaOJSjhVyVxBN-BeMNkoDg1PcKj9kQYYxLK3_IkkX9zPdIuFPO-ZBYpUUvHSYEUBfaLbuvdwSJwnq0>
<https://clicks.monzo.com/f/a/8R7c4hV-poLasON9gPLzrA~~/AAAHahA~/G1F3OVmXweeGoAHVzFZbvRclzWdrhGwta8nTDFdBHbMF0L1zX7TDLCth8vnLPI4qwujeY6PMqEGZ4NIfnbwH0gWDgZ9dPDHaE3jUnNc3rjzr5aUVBxpgtIapoz9jeH1R>
<https://clicks.monzo.com/f/a/NkV_eKswMwXZ-2w1u3wBzg~~/AAAHahA~/Eu_TYp1FeEU348XHie83jNjsBVJlIETY9R1BJ1dkIaUhCw1cvWANSEoD5TAtDQMFRs8-c4DtDIMeB6XQ_jkaF5_OR7-kLuL15WYVwn8xf7k~>
<https://clicks.monzo.com/q/QIKgXQxJVh5_74aQEnz5Zw~~/AAAHahA~/qyTc4LkJH1DxQYUhFN7ji7AxzeLyjfQ41HFgPQI5wXLRHOoINqinBuzgR8dmlqB5gBJCAIdRWUlPq82wpmso5w~~>
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=0A=
<title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
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style=3D"height: 100% !important;margin: 0 auto !important;padding: 0 =
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=0A=
=0A=
Flex transactions from the last 2 weeks=0A=
</div>=0A=
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<div role=3D"article" aria-roledescription=3D"email" =
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<a =
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<img class=3D"logo" =
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Flex. Not your average credit card. =0A=
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<a =
href=3D"https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uG=
CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98G=
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<!-- insert image source in src -->=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/68c836fbe07ea2123c0301f6/original.png?1757951739" class=3D"fullWidth" =
border=3D"0" style=3D"outline:none; text- decoration:none; =
-ms-interpolation-mode: bicubic; border:none; =
display:block;width:510px;" width=3D"510" alt=3D"Image showing Monzo =
banking app interface. A notification displays a flexed purchase of =
=C2=A3145.22. Payment details and options, such as reducing or =
increasing payments, are visible in the app's layout against a dark =
background with red accents.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image End -->=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Header End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode" 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=
Flex transactions from the last 2 weeks=0A=
</h2>=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Paragraph Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" align=3D"left" =
style=3D"padding:10px 0px 30px 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=
Unexpected bill? Need some wiggle room? You can =
Flex any Monzo transaction from the last two weeks and pay in up to 24 =
monthly payments. We'll put the money back in your account straightaway.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Paragraph End -->=0A=
=0A=
<!-- Flex_Representative_APR Start -->=0A=
<!-- Paragraph Start -->=0A=
<tr>=0A=
<td bgcolor=3D"#ffffff" class=3D"darkmode9" align=3D"center" =
style=3D"border-radius:20px;">=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;" role=3D"presentation">=0A=
=0A=
=0A=
<tr>=0A=
<td style=3D"padding:20px 30px 20px 30px;">=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 class=3D"p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:20px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
<b>Representative example:</b> 29% APR =
representative (variable). =C2=A31200 credit limit. 29% yearly interest =
(variable). <br><br>=0A=
=0A=
Eligibility criteria and Ts&Cs =
apply. UK residents & 18+ years olds only. Missed payments may =
negatively impact credit scores.=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Row 1 End -->=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Paragraph End -->=0A=
<!-- Flex_Representative_APR End -->=0A=
=0A=
<tr>=0A=
<td height=3D"30"></td>=0A=
</tr>=0A=
<!-- CTA Start -->=0A=
<tr>=0A=
<td class=3D"ptb-25 darkmode" style=3D"">=0A=
<table align=3D"left" class=3D"fullWidth" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"left">=0A=
<table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">=0A=
<tr>=0A=
<td align=3D"left">=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/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uG=
CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98G=
SxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6" =
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 =
darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uG=
CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98G=
SxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6" 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;">Expl=
ore Flex</a>=0A=
<!--[if mso]>=0A=
=
</center>=0A=
=
</v:roundrect>=0A=
=
<![endif]-->=0A=
</div>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- CTA End -->=0A=
<!-- Paragraph Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" align=3D"left" =
style=3D"padding:30px 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=
We=E2=80=99ll check your latest information to =
see whether you=E2=80=99re eligible for Flex, which won=E2=80=99t impact =
your credit score. If you decide to get Flex, we'll let credit reference =
agencies know by running a hard search.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Paragraph End -->=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
<!-- Hero Past Purchase End -->=0A=
=0A=
=0A=
=0A=
<!-- Flex Benefits Start -->=0A=
<!-- Module 2 Body Fifty Fifty Stacked v3 Start =
-->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"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"#FFD7F0">=0A=
<!-- Two Columns Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25" align=3D"center" =
style=3D"padding:30px 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 darkmode2">=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/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uG=
CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98G=
SxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6" target=3D"_blank">=0A=
=
<!-- insert image source in src -->=0A=
=
<img class=3D"mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6920293a5baf140063109b8e/original.png?1763715386" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:190px;" width=3D"190" alt=3D"A =
smartphone screen displays a payment app offering 'Pay over time' =
options for a =C2=A3249 Amazon purchase, with choices to pay in full or =
in installments.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image =
End -->=0A=
<!-- 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;">0% =
options that won't 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;">=0A=
Paying =
in full or over 3 months on purchases of =C2=A3100 or more is interest =
free. These aren't just introductory offers, so you can keep using them.=0A=
</td>=0A=
</tr>=0A=
<!-- Copy =
End -->=0A=
<tr>=0A=
<td =
height=3D"25">=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
<td width=3D"24" =
style=3D"display: block;width:24px;">=0A=
=0A=
</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 darkmode2">=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=
<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/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uG=
CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98G=
SxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6" target=3D"_blank">=0A=
=
<!-- insert image source in src -->=0A=
=
<img class=3D"mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6920299cdd4a130063067109/original.png?1763715484" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:190px;" width=3D"190" alt=3D"A =
Monzo Flex card with red swirls is overlayed on a top-down image of a =
person relaxing near a wooden pool deck. Bright, summery ambiance.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image =
End -->=0A=
<!-- Title =
Start -->=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2 h2" 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;">=0A=
<br class=3D"hide-mobile">Pay anywhere, in any currency, fee free. =
We=E2=80=99ll charge you <a =
href=3D"https://clicks.monzo.com/f/a/Bo2OziqGoZbB0TYy7pYpOw~~/AAAHahA~/Py=
1ranhPcx0zhP2eneBT9WHbBGskc2HGaW63i8pX9iKmVh81dSXGIKGcsmlehIFS7h5ENgnIUqA=
vYfW5mKhXq-htKN9qRbxdDC-Hc4x-sbAewXDYHepIWzxLRzyIekk1" =
class=3D"darkmodeFont2" style=3D"color:#112231;">Mastercard=E2=80=99s =
exchange rate</a> and nothing extra.=0A=
</td>=0A=
</tr>=0A=
<!-- Copy =
End -->=0A=
<tr>=0A=
<td =
height=3D"25">=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
<td width=3D"24" =
style=3D"display: block;width:24px;">=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr>=0A=
<td height=3D"60">=0A=
=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr>=0A=
<td valign=3D"top" =
style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile mb-30 darkmode2">=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/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uG=
CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
6CW-mncVUrs8F_TEYsm9qMBuOsIFKf109STDJQeoBR5z0XQCV6rjmqX_goLKSdMkuMReuO98G=
SxGb7lAgb8wxE2a_9kLBMMHVZANI_dt1YnWZ_Vi-aQf6" target=3D"_blank">=0A=
=
<!-- insert image source in src -->=0A=
=
<img class=3D"mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6920293a1afa6a00631d58de/original.png?1763715386" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:190px;" width=3D"190" alt=3D"A =
digital wallet interface on a red background shows a balance of =
=C2=A38.29 since Sep 23, with =C2=A31.85 available to withdraw. Colorful =
coins float above.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<!-- Image =
End -->=0A=
<!-- 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;">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" =
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ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
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and defrost your Flex card, all from the app.=0A=
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<table =
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<a =
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CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
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=
<img class=3D"mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6920293a2eda3b0063f53699/original.png?1763715386" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:190px;" width=3D"190" alt=3D"A =
notification shows an =C2=A385 Amazon charge dated Monday, 6 Oct, with a =
request below: 'Help me get this money back.' Background is dark with =
red streaks.">=0A=
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ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px =
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class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
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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 =
<a =
href=3D"https://clicks.monzo.com/f/a/zbowQjgyTRk6VxSetWk38g~~/AAAHahA~/uG=
CsNzoZzdABtxIfezepsrPapFFbK0SFL-_PLE-f5aB0W08NDU4X-tudecQzlPR0rVj6wxnOkxD=
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style=3D"color:#112231;">Section 75 Protection</a>. It means you could =
get your money back if something goes wrong.=0A=
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style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
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Tahoma, Arial, Helvetica, =
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Before you get =
started=0A=
</td>=0A=
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</td>=0A=
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<tr>=0A=
<td style=3D"padding:0px 30px =
25px 30px;">=0A=
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mobile" align=3D"center" width=3D"100%" border=3D"0" cellspacing=3D"0" =
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style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
<b>Need more =
time to pay? You can edit your monthly payments.</b><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=C2=A0purchase).<br><br>=0A=
=0A=
<b>If you miss a =
payment, you won't pay fees and we'll give you 7 days to =
catch=C2=A0up.</b><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=C2=A0free.<br><br>=0A=
=0A=
<b>If we still =
can't take your payment,</b> 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=
=0A=
<b>Talk to us if =
you=E2=80=99re worried about making a payment</b><br>=0A=
We=E2=80=99ll =
always do whatever we can to help. You can read more about how Flex =
works in our <a =
href=3D"https://clicks.monzo.com/f/a/G_oJhMxOl0OZXT94Tf-g7g~~/AAAHahA~/3t=
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<table =
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=
We're an authorised and <br class=3D"hide-mobile"> regulated bank=0A=
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<a =
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bicubic; border:none; display:block;max-width:201px;" width=3D"201" =
alt=3D"Best British Bank 2025">=0A=
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<a =
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bicubic; border:none; display:block;max-width:157px;" width=3D"157" =
alt=3D"Best Credit Card 2024">=0A=
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</a>=0A=
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