Monzo and Fair4All launch Flex Build card for low-credit borrowers

Monzo and Fair4All Finance launch Flex Build card for borrowers with low credit scores. Customers make a one-time deposit to access up to £250 in small-limit borrowing with 0% interest if repaid in full monthly. Missed repayments are frozen after a seven-day grace period; on-time payments unlock higher limits and deposit recovery.