Thanks for the speedy, detailed response & resolution. 
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it’ll catch up
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Every transaction shows as ‘Flex’ no matter if the transaction was paid directly with the Flex card. Same with credits too.
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Revolut doesn’t know how to read it properly yet 
but it does show a balance now whereas it didn’t recently.
Oh goodness, that doesn’t seem optimal. I wonder if that’s the intended behaviour (@daniel?)
Clear score and MoneyDashboard show it as a credit card.
Everything looks okay apart from the transaction names all being flex which isn’t helpful 
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Gonna give this a quick test myself, given that it’s meant to be a phased roll-out… 
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Here are the results of the blue circle jury:
- Flex in open banking
- Connected to Lumio
- Lumio categorises Flex as a credit card
- Transaction details correct
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New transactions will display correctly and soon there will be a backfill to fix up older ones.
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Here’s a little bit of Monzo Magic that would make the Flex repayment super special.
At the moment, the notes field has the name of the merchant you’re repaying, but with “and N more” if there are more than two.
Instead of (or as well as) that, how about using the receipts API so that you could tap and see a breakdown of everything that you’re paying for, merchant and repaid value? Effectively that month’s Flex statement digitally in the app.
And, taking that one step further, how about a link from the repayment transaction that takes you straight to the PDF statement for that month’s Flex transaction.
Just gloss, but the sort of thing you could only ever get in Monzo.
What do you say, @TheoGibson ?
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So after having a few things Flex’d I’ve come to the conclusion Flex is making my financial planning more confusing than it is helpful. And, probably not surprisingly, making me think “oh I should flex that” if it’s not quite in budget.
Therefore, I’m gonna close my flex.
But can we talk about the process of bulk-pay-offs / a user’s Exit from Flex scenario?
- A way to close flex to new transactions, but keep payment plans should be an option.
- In my use case - I don’t want to Flex anything new, but I do have a few plans still open. I’d really like a mechanism to say prevent anything new being Flexed but keeping the payments open.
- The only option is - fully close the account after paying everything off - or having all the features. An option that stops my ability to Flex would be good.
- Clearing the account balance is convoluted - I can’t pay off the full thing in one go.
- I’d really love a mechanism to pay off ALL of flex in one go please.
- The button for “Close” says -“Sorry you can’t close, you still have open payment plans”
- You have to pay off each one by one - no mechanism for a bulk pay down.
Tl;dr - it’s hyper easy to get into flex, but mega hard to get out.
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One by one pay off is annoying 100%.
In terms of stopping yourself Flex going forward, you can reduce your limit in the app to your current amount spent, within 50 I think? Save you adding more to it.
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Absolutely, I would say I now am more financially savvy than average - I have had my fair share of debt in my day, but trying to reset my financial priorities, I’m seeing that Flex is making the outlook, hazy for me. If that makes sense. I’m even getting notifications from Trends saying “you’re spending less this month!” (Etc) - which I know isn’t an accurate reflection.
And it’s just so accessible to use Flex. “Oh the internet in this isn’t much for 6 months, why not*.
So I’d advocate for more control is all.
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If I closed Flex would I miss it, not at all. The novelty of its kind of worn off in all honesty. Plus there’s better products available, which allow longer 0% purchases.
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I kind of recall them saying that was a mistake and shouldn’t of been able to hide it from view.
Something about people been able to hide their debts from view, was a while back now, so recollection might be a bit off
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My experience is different from the lasts posts. I have been using Flex for some months and I love it. I used to pay everything with credit cards, which I pay the full balance statement very month, but I am now using Flex much more instead of my Amex, Jaja and others for larger purchases. Very handy during Christmas.
I track everything in a spreadsheet and have no problem in having full visibility of money going out each month.
My only problem with Flex is the recent recategorisation of Flex payments to ‘transfer’ which messed up with my categories. because of that categories/trends now are almost useless for me.
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Thanks the feedback @BritishLibrary
We’re working on getting Flex into Trends. I should be able to share more on that soon
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So the last time I used Flex was December when they had the 6 month promotion on for 2 transactions. It’s highly likely once I’ve paid off those 2 transactions, see ya later flex.
It’s just not a useful product in the slightest for me.
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