# Flex holiday spending query **URL:** \ **Category:** Help\ **Created:** [15 October 2024 15:27 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097 "2024-10-15T15:27:22Z")\ **Posts on this page:** 17\ **Page:** 1
**Author:** ![TwiceNightly](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@TwiceNightly](https://community.monzo.com/u/TwiceNightly)\ **Post date:** [15 October 2024 15:27 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/1 "2024-10-15T15:27:22Z")
Hi everyone, Sorry if this is the wrong place to ask this, but I haven’t been able to get a definitive answer for this anywhere, so hopefully you can help! I have a Flex card and am planning to use it on an upcoming holiday. If I use it for **everything** while I’m on holiday, from beers to chocolate bars to bus tickets, will I basically be able to pay all my holiday spending off over 3 months interest free? It hasn’t been too easy to find the answer to this, and Monzo’s help seems to infer that the 3 month thing only applies to a purchase over £100 Thanks for any help! ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [15 October 2024 15:29 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/2 "2024-10-15T15:29:25Z")
It is correct for anything over £100 for new customers, unsure if older sign ups are removed from this caveat. Otherwise; yes. You can use flex anywhere that accepts Mastercard, and depending on the age of your account, Flex it over 3 months interest free. ---
**Author:** ![TwiceNightly](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@TwiceNightly](https://community.monzo.com/u/TwiceNightly)\ **Post date:** [15 October 2024 15:44 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/3 "2024-10-15T15:44:15Z")
Ah so I can’t do that then, I’m a new Flex holder. I was hoping I could put all my spending on it but if there’s £100 minimum in order to be able to Flex it over 3 months then there’s not much point using it for that ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [15 October 2024 16:10 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/4 "2024-10-15T16:10:18Z")
I mean, is putting a pina colada for €5 over 3 months interest free really a thing? ---
**Author:** ![TwiceNightly](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@TwiceNightly](https://community.monzo.com/u/TwiceNightly)\ **Post date:** [15 October 2024 16:32 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/5 "2024-10-15T16:32:45Z")
No but if all the drinks, dinners, etc all add up to a couple of thousand for me and my family then that lump is worth splitting over 3 months? ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [15 October 2024 16:34 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/6 "2024-10-15T16:34:42Z")
If Flex didn’t exist, how would you pay for it all? Credit card and get the 60 days ish? Debit card? You can put it all on Flex still, then when you get back pay off any that were less than £100 and any others split over 3 months. Interest on a £99 purchase over 3 months isn’t going to be huge anyway. I guess it just depends how much that will be in total! ---
**Author:** ![TwiceNightly](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@TwiceNightly](https://community.monzo.com/u/TwiceNightly)\ **Post date:** [15 October 2024 16:46 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/7 "2024-10-15T16:46:57Z")
I normally put all the holiday spending on a credit card with no foreign transaction fees and then pay the lump (which can be quite big) off over a couple of months. I was kind of hoping that I could use Flex instead and get 3 months without any interest but it doesn’t look like that’s the case unfortunately ---
**Author:** ![jonj1](https://avatars.discourse-cdn.com/v4/letter/j/b77776/32.png) [@jonj1](https://community.monzo.com/u/jonj1)\ **Post date:** [15 October 2024 16:49 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/8 "2024-10-15T16:49:13Z")
This is what I do - also how I found out that Amex does not have FX free spending which I stupidly assumed it did If you could somehow transfer money to yourself using the card in a way that didn’t count as a cash advance over £100 that might work. i.e Curve, PayPal G&S… probably not worth the bother though ---
**Author:** ![TwiceNightly](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@TwiceNightly](https://community.monzo.com/u/TwiceNightly)\ **Post date:** [15 October 2024 20:05 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/11 "2024-10-15T20:05:00Z")
I just bought something for £18 and Flex came up with the option to pay back how I like, with 3 months as an option? Does that mean I can do it with all my purchases on the card? ---
**Author:** ![TwiceNightly](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@TwiceNightly](https://community.monzo.com/u/TwiceNightly)\ **Post date:** [15 October 2024 21:21 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/13 "2024-10-15T21:21:42Z")
I see, thank you, I understand it now! I hadn’t realised that the pay in 3 option was still available for purchases under £100 but they have 29% interest on them. So this is much worse than my standard credit card for holidays in that case. ---
**Author:** ![Wiganer](https://avatars.discourse-cdn.com/v4/letter/w/3ab097/32.png) [@Wiganer](https://community.monzo.com/u/Wiganer)\ **Post date:** [16 October 2024 05:51 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/14 "2024-10-16T05:51:34Z")
I used Flex this summer in Tenerife We could use the 3 month interest free option on anything over 3 euros There’s any option to choose a payment plan for every purchase My wife signed up for a Monzo flex account a couple of weeks before the holiday and could do the same Hope that helps ---
**Author:** ![TwiceNightly](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@TwiceNightly](https://community.monzo.com/u/TwiceNightly)\ **Post date:** [16 October 2024 06:09 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/15 "2024-10-16T06:09:37Z")
Now I’m confused again haha I don’t have that option, when I choose 3 months it adds interest? ![IMG_6664](https://global.discourse-cdn.com/monzo/original/3X/1/6/162603a597b6c3336e4cd153c5951c00ced3a2c3.png) ---
**Author:** ![Wiganer](https://avatars.discourse-cdn.com/v4/letter/w/3ab097/32.png) [@Wiganer](https://community.monzo.com/u/Wiganer)\ **Post date:** [16 October 2024 06:27 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/17 "2024-10-16T06:27:48Z")
I’m really sorry, I didn’t realise it’s not applied to every account. Why would that even be a thing? Luck of the draw? If so, close the account and apply again lol ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [16 October 2024 06:31 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/18 "2024-10-16T06:31:27Z")
No, the rules changed recently. It’s not lucky dip. The new T&C state that it’s £100+ that gets 0% for 3 months. That’s for everyone who signs up after the change. ---
**Author:** ![Wiganer](https://avatars.discourse-cdn.com/v4/letter/w/3ab097/32.png) [@Wiganer](https://community.monzo.com/u/Wiganer)\ **Post date:** [16 October 2024 06:34 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/19 "2024-10-16T06:34:15Z")
Ah fair enough. I’ve just been on the Monzo website and it says £100. We were fortunate enough to get one before that condition, luckily for us Sorry for the bum information ---
**Author:** ![Wiganer](https://avatars.discourse-cdn.com/v4/letter/w/3ab097/32.png) [@Wiganer](https://community.monzo.com/u/Wiganer)\ **Post date:** [16 October 2024 09:29 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/21 "2024-10-16T09:29:45Z")
Thanks Michael, good to know. Hopefully they won’t apply the £100 to us fortunate ones until after Xmas 🙏😄 ---
**Author:** ![system](https://global.discourse-cdn.com/monzo/original/3X/a/e/aedf2f7852aef6ffcd99f29eac49128cfbd2ecc3.svg) [@system](https://community.monzo.com/u/system)\ **Post date:** [14 April 2025 09:30 UTC](https://community.monzo.com/t/flex-holiday-spending-query/170097/22 "2025-04-14T09:30:36Z")
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