I was thinking it would be nice if Monzo linked the length of the 0% interest period available on Flex to the plan you’re subscribed to.
For example, it could work something like:
- Standard Monzo: Normal Flex interest rates/offers
- Perks: Up to 6 months at 0%
- Max: Up to 12 months at 0%
Obviously this would still be subject to eligibility, affordability checks and whatever credit limit Monzo gives you.
I think this could make the paid plans feel more valuable, particularly for people who already use Flex. It would also give people another reason to move from Perks to Max beyond the existing benefits.
What does everyone think? Would a longer 0% Flex period make Perks or Max more appealing to you?