Flex is bonkers - there’s one amount in the feed, and a different amount when I press “help”

UK Help Bug Reports
1

Issue: I flexed a transaction when it was still pending (£53.21). It settled a few days later, but for £48.68, which is the correct amount.

My feed still shows £53.21, so I pressed the “Something wrong, Get help” which in one respect was pointless because none of the options were relevant, and so no help was available.

But.

At the top of that page the amount is showing as £48.68.

So I have a Schrödinger transaction which changes depending on which page I’m looking at, the wrong amount has been returned to my personal account, and I don’t actually have any idea how much will be flexed

Details to reproduce:
OS: iOS 26.4.1
Device: iPhone 16+
App Version: 7.22.0 #7220051

Screenshots:

IMG_0832
IMG_08321290×2796 297 KB

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IMG_08311290×2519 225 KB

2

Pay the returned amount to flex, if it was paid to your current account.

3

Aye. Ta.

Still a bug, though.

4

I’m not sure it’s built to recognise changes to the original amount if it changes after being flexed.

Monzo just loans the amount visible on the account.

5

Yes, but the amount shown should be the same as the amount owed.

I owe Monzo £48, but they are telling me I owe them £53. Even though they know it’s £48.

6

Wasn’t £53 sent to your bank account?

7

Yes. But it’s the wrong amount.

In the meantime I’ve been on to support.

It turns out that the difference was sent to my personal account but I can only see it by looking at a statement. It doesn’t show in the app.

8

You spent £53 at Morrison on debit card.

You then flex £53 to flex which moves £53 to your bank account.

Morrisons updates the debit card to £48.

You pay ~£5 of the flex credit in your current account to repay the difference in Flex.

Or have I misunderstood something? :folded_hands:t3::grimacing:

9

Morrisons updated the amount, but Monzo still shows £53 unless I “happen” to look at a statement which shows a refund.

Also, the total Flex amount for the month includes the £53, not the £48.

I’m sure that they are just showing incorrect amounts because it’s easier for them and that it’ll sort itself out, but I think it’s wrong to show the incorrect amounts.

10

It shows as £48 on your app?

It works by point in time for flex, so based on the initial transaction it is correct information, and flex is correct,

Anything that happens after that doesn’t impact the cash loan you took from flex, there’s nothing to correct.

Second presentments don’t usually notify you in any form.

If this happened directly on your flex card you’d see £53, £53 refund, £48 debit (or very similar) non of which will notify you a second time normally.

11

No, it’s £53 on the app.

There is a £5 refund on my account, but that isn’t visible unless I download a statement.

This is possibly why Monzo doesn’t provide a running balance in the app. It wouldn’t be accurate.

12

First pic shows £48 so I’m confused :skull:

13

That’s the screen you see when you press the “Something wrong” button.

The account feed and Flex feed both show £53.

14

I’ve had a long discussion with support over this whole thing. The upshot is that “that’s just the way it is.”

But it would have been a bad idea (apparently) to make a partial payment to Flex because:

Important Note: If you manually make a partial payment toward a specific Flex installment, the system may categorize the remaining balance differently. In many cases, doing this removes the interest-free status of that specific plan.

To keep your 0% interest (if applicable) or your original promotional terms intact, the system generally preters that you let the scheduled payments collect automatically or pay the entire remaining balance at once, rather than chipping away at it with manual part-payments.

15

What a :poop: show.