# Flex Offer Changing: A Possible Lifeline **URL:** \ **Category:** Feedback & Ideas\ **Created:** [27 September 2026 01:07 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026 "2026-09-27T01:07:30Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![mattwoolford](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mattwoolford/32/124704_2.png) [@mattwoolford](https://community.monzo.com/u/mattwoolford)\ **Post date:** [27 September 2026 01:07 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/1 "2026-09-27T01:07:30Z")
The Flex offer changing to remove pay-in-3 for purchases under £100 is going to be sorely, possibly even resentfully, missed by users who were eligible. I include myself in the disappointed group. However, I would suggest the following: **Continue to offer pay-in-3 for all purchases to eligible users who are subscribed to Monzo Max.** This would appear as a fairly easy win for Monzo, appeasing the most loyal customers with perhaps the most loved feature of the Monzo Flex credit card. By capturing this within the cost of the subscription, it may make this more sustainable for Monzo to continue its offering. I sincerely hope this, or a similar alternative (e.g. perhaps extending the benefit to eligible Perks / Extra subscribers), will prevail. ---
**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:** [27 September 2026 05:05 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/2 "2026-09-27T05:05:21Z")
Not happening. Subscribing to Max doesn’t make you the “most loyal” either. ---
**Author:** ![mattwoolford](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mattwoolford/32/124704_2.png) [@mattwoolford](https://community.monzo.com/u/mattwoolford)\ **Post date:** [27 September 2026 09:27 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/3 "2026-09-27T09:27:59Z")
Actually, it does – for the most part. A higher investment in a product generally correlates positively with customer loyalty. ---
**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:** [27 September 2026 10:11 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/4 "2026-09-27T10:11:53Z")
> [@mattwoolford](#): > > This would appear as a fairly easy win for Monzo To lose money? 🫪 ---
**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:** [27 September 2026 10:26 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/5 "2026-09-27T10:26:19Z")
If they were going to offer interest free to anyone it would be the people paying for the new card. They didn’t. It’s not happening. No amount of “loyal” pleading will change 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:** [27 September 2026 10:27 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/6 "2026-09-27T10:27:55Z")
Loyalty doesn’t pay for anything. ---
**Author:** ![mattwoolford](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mattwoolford/32/124704_2.png) [@mattwoolford](https://community.monzo.com/u/mattwoolford)\ **Post date:** [27 September 2026 10:33 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/7 "2026-09-27T10:33:24Z")
How would they lose money if it is a benefit supplied as part of a subscription offering? Are you not aware that Monzo subscribers get access to higher interest rates than non-subscribers already? ---
**Author:** ![mattwoolford](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mattwoolford/32/124704_2.png) [@mattwoolford](https://community.monzo.com/u/mattwoolford)\ **Post date:** [27 September 2026 10:38 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/8 "2026-09-27T10:38:45Z")
I’m not sure I see the constructive side of writing off something as “not happening” within a forum designed to promote diverse ideas for things _to_ happen. Do Monzo happen to consult you before each of their releases? ---
**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:** [27 September 2026 10:44 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/9 "2026-09-27T10:44:20Z")
Have a read of the dozen other threads about this exact same thing. ---
**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:** [27 September 2026 11:01 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/10 "2026-09-27T11:01:38Z")
Sensible folk won’t have their savings in Monzo. Why should they lose credit card interest to people who already pay for their insurances and Greggs? Talk about wanting something for nothing. If they now decided your new Max cost to add \<£100 purchases interest free is now £23 a month, would you feel so loyal then? ---
**Author:** ![mattwoolford](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mattwoolford/32/124704_2.png) [@mattwoolford](https://community.monzo.com/u/mattwoolford)\ **Post date:** [27 September 2026 11:13 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/11 "2026-09-27T11:13:24Z")
Ah, so there’s customer demand 🙂 ---
**Author:** ![mattwoolford](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mattwoolford/32/124704_2.png) [@mattwoolford](https://community.monzo.com/u/mattwoolford)\ **Post date:** [27 September 2026 11:17 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/12 "2026-09-27T11:17:33Z")
I didn’t mention anything about raising prices, and I never said anything about _using_ savings, you did. I said, Monzo Max could be used as a vehicle for Monzo Flex benefits. There are a number of possible ways to implement this, hence I suggested it. If you don’t think extra interest on savings are valuable, what reason is there not to consider cutting the additional interest benefit on savings pots to instead enable 0% Flex purchases, as just one possible pathway. It helps to be open-minded about possibilities. 🙂 ---
**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:** [27 September 2026 11:20 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/13 "2026-09-27T11:20:05Z")
It can be good for being open minded but when you’re talking about a bank of all types of businesses, their shareholders pockets will come first. They are in talks about selling up, or a possible fund raising round, that doesn’t scream customer first. ---
**Author:** ![RSheff](https://avatars.discourse-cdn.com/v4/letter/r/6bbea6/32.png) [@RSheff](https://community.monzo.com/u/RSheff)\ **Post date:** [27 September 2026 11:21 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/14 "2026-09-27T11:21:41Z")
> [@mattwoolford](#): > > so there’s customer demand There’s customer demand for a lot of things, but a bank will only provide them if there’s some advantage to the bank. ---
**Author:** ![YorkshireWill](https://avatars.discourse-cdn.com/v4/letter/y/e9c0ed/32.png) [@YorkshireWill](https://community.monzo.com/u/YorkshireWill)\ **Post date:** [27 September 2026 11:43 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/15 "2026-09-27T11:43:38Z")
Don’t expect much support from the “Monzo-can-do-no-wrong” crowd on here. The recent change is clearly unpopular and I think your idea has value (seems similar to the fact we get better savings rates by subscribing) I guess the counter point would be if that subscriber perks have too many benefits that hinge on using other Monzo products, it starts to look less like a premium offer and more like a way of locking you into the ecosystem ---
**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:** [27 September 2026 11:45 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/16 "2026-09-27T11:45:31Z")
Just people with zero business sense complaining. Monzo don’t want anyone stretching anything over 3 months. Certainly not your meal deal. Too many people were doing that and it costs them. If they wanted to offer 0% over three months for purchases under £100, to whatever cohort of people, they could. They haven’t because it’s expensive and it’s easier to take it away for everyone. Max, Aura, early adaptors blah blah blah. Nobody gets it. ---
**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:** [27 September 2026 11:47 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/17 "2026-09-27T11:47:31Z")
> [@YorkshireWill](#): > > Don’t expect much support from the “Monzo-can-do-no-wrong” crowd on here. Don’t confuse logic with fan boys. Comments made can easily by any bank. Remove Monzo from the picture, the premise is the same. ---
**Author:** ![LordRec](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/lordrec/32/121713_2.png) [@LordRec](https://community.monzo.com/u/LordRec)\ **Post date:** [27 September 2026 14:16 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/18 "2026-09-27T14:16:47Z")
> [@mattwoolford](#): > > Ah, so there’s customer demand There will always be demand for a free lunch or delaying expenses for 1-3 months. ---
**Author:** ![mdeluk](https://avatars.discourse-cdn.com/v4/letter/m/a6a055/32.png) [@mdeluk](https://community.monzo.com/u/mdeluk)\ **Post date:** [27 September 2026 20:29 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/19 "2026-09-27T20:29:14Z")
I like this idea. Not sure why it’s got torn down so much, it’s just an idea. ---
**Author:** ![Launcelot](https://avatars.discourse-cdn.com/v4/letter/l/958977/32.png) [@Launcelot](https://community.monzo.com/u/Launcelot)\ **Post date:** [28 September 2026 12:54 UTC](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026/20 "2026-09-28T12:54:52Z")
> [@mdeluk](#): > > Not sure why it’s got torn down so much You only need to look at the [feedback](https://community.monzo.com/c/uk/feedback/35) suggestions and the usual responses to most things. Funnily enough, these same people don’t have much to offer themselves other than negativity and whinging. Just ignore it and place the + vote on the original idea and move on is the best bet. [Next page](https://community.monzo.com/t/flex-offer-changing-a-possible-lifeline/198026.md?page=2)