Introducing Monzo Flex – a better way to pay later 🚀

Surely what is due first is the next payment… not the last one.

Maybe it’s too early but I can’t make sense of the post :grimacing:


I’ll just leave this here:


Ah Mr Bond, I have been expecting you and your teardown

Stroking cat meme


Have fun in Monzo jail! :wave:


I like how they made the river wider on that bend to accommodate the chip. Did they do it to the IRL one too?

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Guess you’re no longer in the dark… or are you? :wink:


If we’re in the dark, is there a way you could help us out? :eyes:


I think you know the answer to that… nope


I had something odd happen when I opened the app yesterday, and it hasn’t happened since. Animated wavy lines (you can’t see the animation on the screenshot obviously) dancing all over the screen, which disappeared when I exited that particular screen.

Don’t know if it was just my phone going momentarily nuts or some weird flex related advertising thing I shouldn’t have seen.


Omg. Glow in the dark flex card? :thinking:


Getting warmer, I suspect.

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No that options only available with a flex plus subscription of £7.50 a month, free users just get a plain non glow card.



Just paid extra into the flex account, wanted to see reduced monthly payments. Sadly they don’t have this option which is very odd considering they’re all about helping people budget.

Please Monzo. If we pay extra into the flex account, allow us to reduce the monthly payments equally.


You can sort of do it yourself.

Lets say you owe £150 and want to pay off £50 today but not the next payment, you want to reduce the next three down to £33/£34

Create a Flex pot
Set payment to be taken from pot
Add £50 - Balance £50
Then the next payment you add £33 - Balance £83
£50 will get taken - Balance £33
Then add £33 - Balance £66
£50 will get taken - Balance £16
Then add £34 - Balance £50
£50 will get taken - Balance £0

And you’re back to zero and all paid off and reduced the monthly.

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In the terms it says “We might stop you using Flex for new transactions (including blocking your virtual Flex card) if: you haven’t used Flex for at least two months.

Does anyone know if this is actively enforced, if I don’t flex anything for two+ months will they withdraw the facility?

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I didn’t use Flex from 7th October to 6th December so just shy of 2 months.

I guess the simplest solution just to work around this, is put a normal daily transaction through the card, then pay it off in full.


I doubt it’s done at the moment, but it’ll be a clause to allow them to reduce their lending allocation for people that never use it. The same as they did with overdrafts in the past (once, only, ever, for people who had never ever ever used it).

You’re probably fine, and I’d imagine they’ll probably warn you ahead of time. But I’m sure @TheoGibson can say yes or nay to my interpretation :sweat_smile:


I’m sure Theo replied about it but I can’t find it in his 167 posts in this thread. #SearchFail

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