Yup - this is the same as what happens normally.
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This is a great use case imo. Usually I put these transactions on one of my credit cards but often don’t bother with the smaller (but still bigger than £30 ones) - would def be nice to Flex them whilst I wait for people to pay back.
Here’s hoping I get invited (and accepted) soon 
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I’m not sure I agree with this bit - the purist in me likes the individual transactions. That said, once the virtual card comes that should solve it - I imagine the initial transaction would be under the Flex card, with just the initial and monthly payments from the current account.
Ooh that makes me wonder: if I have 10 flex transactions that I pay in one lump sum, and each transaction is for a different category, what category does the repayment take? 
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That raises a question… what are you seeing so far with Trends and your Flexes? (are they in trends at all, how is it being auto-categorised, anything else?)
My thinking here is that the the actual payment from your Flex card/initial transaction is the categorised one (same as connected account transactions), and then the paying the money back is just a ‘transfer’, same as paying off a connected account credit card?
The Flex categories inherit the main transaction’s category.
So in the example I posted earlier, everything is under the General category. That means that everything nets off nicely. In Trends I see the initial payment, the credit for the payment then the first credit payment all under the General category. It works super well and leads to the right answer.
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Spoilers: If only Monzo had build the ability to assign multiple categories to the same transaction.
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Spoiler: even if you’re not on Plus/Premium?
I love this by the way. Shows real integration and interaction between features. A bit like there’s a masterplan. 
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Yup - only for Flex payments though.
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My best guess is that it will when the virtual card lands - like pots only appear when you can pay directly from them.
I do hope that, in time, Trends will show my net worth: which means it needs to have a grip on my debts, too.
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You’ve just sold it to me. I use Klarna quite a lot for the exact reason you mentioned above. Having the ability to do it with so many other transactions and with the flexibility to add it to flex later will be of real use.
At the moment i tend to put all my transactions through my CC and pay it off in full monthly. With this I could certainly see me start putting all my day-to-day transaction back through Monzo and just using flex when needed.
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Sorry, but I think 19% is absolutely outrageous! With a little effort its easy to find ways of spreading payments upto 12m interest free and beyond. Many services including PayPal provide 3m as standard but can go upto 12m, 24m and when 48m.
There’s really no excuse to be charging interest rates that high these days!
You are aware it is a totally optional service though right?
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If it’s so easy to find interest free for such a long period, then it doesn’t matter if it’s 19% or 1900000%, nobody will use it, surely?
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So with your excellent knowledge of Monzo’s business model, current financial situation, regulatory requirements, future plans and the market in general, what % rate do you feel Monzo should be charging?
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0% of course 
Everyone wants everything for free. See any other topic on chargeable stuff, in particular the Plus features one 
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It’s not true outrage unless it’s accompanied with flaming pitch forks though
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Between balance transfers and multiple other sources of credit, I never pay more than somewhere between 0% and 3%.
I think the whole banking industry is in for a shock once defi services become more mainstream.
If it’s so easy to get it at 0%, why are you paying 3%?
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And some people are just lazy when it comes to savings money.
I think many of us will be shocked if that happens
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