Monzo Helps People Improve Their Credit

Monzo 幫助人們提升信用評分

Jun 8, 2026, 08:12
UKFinance

Introduction

Monzo is a digital bank. It has a new plan to help people with bad credit scores.

Monzo 是一家數位銀行。它有一項新計劃，旨在幫助信用評分較低的人。

Main Body

Monzo works with a group called Fair4All Finance. They made a card called 'Flex Build'. People give the bank some money first. This money is a deposit. The bank then gives the person a credit limit of £250.

Monzo 與一個名為 Fair4All Finance 的組織合作。他們推出了一張名為「Flex Build」的卡。使用者先向銀行支付一筆款項作為押金，接著銀行會給予使用者 250 英鎊的信用額度。

The bank helps people learn about money. It shows the cost of interest clearly. If a person misses a payment, they have seven days to pay. The deposit also earns a small amount of interest.

銀行會幫助人們學習理財，並清晰地顯示利息成本。如果使用者錯過付款期限，他們有七天的時間進行補繳。此外，押金也能賺取少量利息。

Some people are worried. A group called StepChange says this is not for everyone. They say people with too much debt should talk to a professional helper first.

然而，有些人對此感到擔憂。一個名為 StepChange 的組織表示，這項計劃並不適合所有人。他們認為債務過重的人應先諮詢專業人士的協助。

Conclusion

Monzo wants to help more people use banks and get better credit.

Monzo 希望幫助更多人使用銀行服務並提升信用評分。

Vocabulary Learning

⚡ THE 'S' SECRET

Look at these words from the text:

  • Monzo works
  • It shows
  • Monzo wants

The Rule: When we talk about one person, one company, or one thing (He, She, It), we add an -s to the action word.

  • I work →\rightarrow Monzo works
  • I show →\rightarrow It shows
  • I want →\rightarrow He wants

💰 MONEY WORDS

WordSimple Meaning
DepositMoney you give first
DebtMoney you owe to others
InterestExtra money paid to the bank

🛠️ BUILDING SENTENCES

Pattern: [Person/Thing] + [Action] + [Goal]

  • Example: Monzo →\rightarrow helps →\rightarrow people.
  • Example: The bank →\rightarrow shows →\rightarrow the cost.

Vocabulary Learning

digital (adj.)
Using computer technology and the internet
Example:I use a digital bank because I don't like visiting offices.
deposit (n.)
Money you pay into a bank account or give to keep something
Example:I paid a small deposit to rent the apartment.
limit (n.)
The maximum amount of money you can use
Example:My credit card has a limit of 500 dollars.
interest (n.)
Extra money you pay back to a bank, or money the bank pays you
Example:The bank pays me interest on the money in my savings account.
debt (n.)
Money that you owe to someone else
Example:He is trying to pay off his debt to the bank.
professional (adj.)
Someone who is trained and skilled in a job
Example:You should ask a professional doctor for help.
Practice A2 words in a crossword→