Interesting
Excited to see what’s coming
Why would you use monzo’s overdraft with fees if you can just flex everything at 0%
just seen monzo’s new rules. I flex a lot of items in the £50-100 range and pay most back within the month although the odd thing over 2 months.
I’ll probably keep using flex although my chase cc is 0% for 24 months currently and depends what revolut cc will be like.
Don’t like it tho when products ‘get worse’ over time prefer it when the get better.
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It was “worse” for new users for quite some time now.*
**So now you’re all joining the no flexing under £100.00 pounds club and most of you are now crying about it. Maybe if some of you were crying just as loud when they brought it in to new users it might just have not reached you all.
*Meant for the OP
** General comment not directed at anyone in particular.
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No amount of “crying” at any point was changing this decision.
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Yeah because customer uproar never works…
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What are we going to do? All close our flex accounts at the same time?
I’m happy paying the “fee” to borrow the money off my flex card, or using Klarna to pay in 3, it just requires a bit of fore thought to put money in your Klarna balance, I’ve not seen a way to make Klarna use money from a bank account
Edit: found it on Klarna, low balance reloads
I mean whatever works for you. Nah more like just vocalizing that what was happening at the time was wrong. I was in the community at that time and saw very little of that.
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It didn’t with Curve, folk would just get banned on their old forum.
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Maybe it wasn’t what was said but more the way it was.
P.S. You really seem to be overly obsessed with the Curve Community for some reason. What happened to you in the Community? Care to talk about it? Smirks at the ridiculousness of it all.
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Organised protests outside the HQ it is
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For the sake of balance, I couldn’t care less about the £100 minimum requirement for 0% in 3 being introduced.
I’ve had Flex since launch and rarely used it to split anything under £100 other than to play about with it as a feature.
Only ever used Flex as reasonably intended, for splitting big stuff for cash flow purposes, or to consolidate all my monthly outgoings into a single payment like a standard credit card.
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Lol yeah why not? 
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I’ve been an absolute fiend and paid for something on Flex that is UNDER ONE HUNDRED OF YOUR FINEST SOVEREIGN and completely forgot to say “pay in full” on the option thingy. Now it wants to charge over god knows how many months.
How on Earth do I cancel this now? Or am I too late? I have no idea how long they take to make it free to paying interest I thought it was 14 days! Alas I am now on a sodding payment plan!!!
You can just pay the whole thing off early, can’t you?
Did you miss your monthly payment?
Purchases should follow your default option unless you’ve set to choose for each payment.
It’s only if you miss the payment does Monzo then set it over the longest period of time possible.
Oh yes! I think I clicked in panic and started using the sliding scale thing and it still said about interest. Forgot about that! I’ve no idea how as I used it last month to clear the balance before the end date.
Crisis averted! Thanks @Bosaw
@jo no, it was only last week! I think I must’ve missed the button when it says “choose your payment” thing! I think I must’ve been in a rush. Apple usually prompts you but think I swiped it away.
Editing… actually I think I got confused with the Pay Early / Pay Extra. There are a lot of confusing menus on Monzo!
You don’t need to do that, you just add your bank account and it sets up a direct debit, or you add your credit card and select it as the funding source when you pay in 3.
You only need the low balance top ups if you’re using the Klarna Card
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Oh, I’m using the wrong thing!
Big assumption to make.
The £3 sandwich purchase could just as easily be one small part of a considerable monthly spend by someone who is very much in control of their finances and in particular, very much in control of their cash-flow, using a range of Monzo products and facilities to better shape their future financial security.
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