How can we help?

Because credit should bend - not break you.

Picture two wallets, facing each other. Or two coins, having a quiet conversation across the front desk.

It’s about give and take - a fair way to borrow, repay, and move on. Flex means freedom.

Flex means choice. Flex means you’re in control, and you only pay for what you owe. That’s it. No tricks, no stress. Just credit that fits you.

Most credit cards calculate interest on the full statement balance, even after you have made a partial repayment.

Flex works differently.

With Flex, interest is charged only on your outstanding balance.

For example, if you spend £1,000 and repay £300, interest is applied solely to the remaining £700.

Simple, transparent, and fair - you pay interest only on what you still owe.

Not just yet, but we’re close.

Flex is now authorised by the Financial Conduct Authority, and we are preparing for a phased launch. This website is a marketing site, intended to introduce how Flex works and what to expect.

Full product details will be shared once you join the waitlist.

We will onboard customers in carefully managed batches to ensure a smooth, secure, and responsible rollout. By joining the waitlist, you will be among the first to be notified when onboarding opens for you.

There is no obligation and no pressure. We are building Flex thoughtfully, and we are pleased to have you with us.

No.

Joining the waitlist does not involve a credit check and has no impact on your credit score.

A credit check will only be carried out if, and when, you choose to apply for Flex. Should that happen, we will explain the process clearly and transparently before you proceed.

We built Flex because we have experienced this ourselves. We made partial repayments, believing we were doing the right thing, only to face unexpected interest charges.

So we listened, spoke to people like us, and built Flex for real life, because credit should not be one size fits all.

With traditional credit cards, if you spend £1,000, repay £500, and still carry a balance, interest is often charged on the full £1,000 from the day of purchase, not just on what remains. That interest compounds daily until the balance is cleared, meaning you can pay more even when you repay early.

Flex works differently.

You choose how much to repay: 10%, 25%, 50%, 75%, the full balance, or a custom amount. We only charge interest on what is left, not on your full statement balance.

Late fees are capped at £5, and Flex is app only, designed for your phone and your lifestyle.

We built Flex to make credit work for people, not systems. No tricks. No compounding traps. Just credit that makes sense.

Flex is a digital only credit card with security built in by design. Your data is protected using bank grade encryption, and 3D Secure adds an extra layer of protection for online payments.

You receive real time transaction alerts, so you always know what is happening. If your card is lost, you can freeze it instantly in the app. If something does not look right, our support team is ready to help.

You stay in control at all times, and we are here to support you.

The pre-eligibility check won’t impact your credit score.

A hard credit search is only performed if you pass the pre-eligibility check and choose to proceed with a full application.

Your personalised credit limit is determined based on your credit profile, affordability assessment, and our responsible lending criteria.

Your approved credit limit will be clearly stated in your Consumer Credit Agreement before you sign it and will also be displayed on the Credit Limit wheel on the Home screen of your Flex app.

There is no minimum credit scores required to be eligible.

We assess your application using credit data, income, affordability, and (if you opt in) Open Banking

Remember that having a line of credit can be a positive factor for your Credit Score, demonstrating that you have been approved for credit by a lender. A Credit Score is heavily dependent on how you then manage your credit.

In the United Kingdom, there are three main credit reference agencies that provide detailed information on credit reporting: for more information, visit Experian, Equifax or TransUnion.

Yes. We protect your data with encryption, multi-factor authentication and continuous security monitoring.

We also limit who can access your data and review our controls regularly.

We fully comply with UK GDPR, PCI-DSS, and Consumer Duty regulations.

You retain complete control over your personal information directly within the app.

For more details, see our Privacy Policy

Flex is a credit card for everyday spending. You can use it for online and in-store purchases and manage everything easily in the Flex app.

We are app only so we can focus on fair pricing, transparency, and a better credit experience. By avoiding traditional call centres, we keep costs down and pass those savings on to our customers. This helps us offer Pay For What You Owe and a consistent interest rate for everyone.

Support is built into the app, with clear guides and quick access to help whenever you need it. Once approved, you manage everything in one place, from tracking spending to freezing your card or contacting support. No waiting on hold, just simple, reliable support.

You’ll begin with a quick pre-eligibility check, which will not affect your credit score. If you’re eligible, we’ll guide you through the full application process - it only takes a few minutes.

We’ll usually give you a decision within a few minutes.

If you are not eligible this time, don’t worry - you can try again after six months.

We make our decision based on several factors, including your credit history, income, and our responsible lending rules.

If you’re not happy with the decision, you can request a review.

Please email us at support@flexcard.app with the following details:

1. Your name and the email used during your application.
2. Any supporting documents (e.g. proof of income, details of a change in circumstances).

We’ll review your application again and get back to you within 5 business days.

No.

Your credit limit is based on your credit checks and affordability, not on the interest rate.

Two users can have the same APR and different limits depending on their financial profile.

Yes. We may share information about how you manage your Flex Credit Card (such as opening the account, your balance, payments made on time, missed payments, and if the account is closed) with Credit Reference Agencies.

This information may affect your ability to obtain credit in the future.

You can set up a Direct Debit through the app by navigating to the Repayments section, selecting your preferred payment date, and entering your bank details.

As part of the setup, you will be asked to review and confirm your Direct Debit instruction, including the Direct Debit Guarantee.

Once submitted, your instruction will be processed, and you will receive confirmation via email.

You can choose to automatically pay:

(1) your minimum payment,
(2) your full statement balance, or
(3) a percentage based on your statement balance, as long as it covers at least the minimum payment due.

If your Direct Debit payment fails (for example, due to insufficient funds or incorrect bank details), we will automatically attempt to retry over the next few days.

If the retry attempt is successful, no further action is required from your side.

However, if the retry attempt is unsuccessful:

- We will notify you about the failed payment through the app and by sending an email on your registered email address.
- You will be asked to update your bank details through the app (Repayments section) or
- Make the payment using an alternative payment method

Please note: A failed Direct Debit does not automatically cancel your instruction. You remain responsible for ensuring your payments are made on time
If no action is taken, your payment may remain overdue

Missing payments may:
-Result in additional charges (as per your agreement)
-Impact your credit file
-Lead to further follow-ups or recovery actions

To cancel your Direct Debit, you must contact your bank directly and provide the necessary instructions, as cancellations can only be processed by your bank.

Once your bank completes the cancellation, we will be notified.

Please note:

- Cancelling your Direct Debit does not cancel your agreement with us
- You will still need to make your payments on time using an alternative method

Missing payments may result in additional charges and could impact your credit file.

Yes, you can change your bank details for Direct Debit.

You can update your bank account information through the app (under the Repayments section) or by contacting us. As part of the process, you’ll need to complete a new Direct Debit authorisation to link your new account.

Please make sure changes are made in advance of your next payment due date, to avoid missed or failed payments. Until the new details are fully set up, your existing Direct Debit instruction may still be used.

To apply for a Flex Credit Card, you must:

- be at least 18 years old; and
- be a UK resident, meaning your main home is in the UK and you spend at least 183 days here in a tax year.

Flex accepts applications from customers with a range of employment types and financial backgrounds.

Please Note: Some applicants may be asked to provide additional information during the application process. All applications are reviewed individually, and approval is not guaranteed.

Applicants must be at least 18 years old to apply for a Flex Credit Card.

All applications are reviewed individually, and unfortunately some applications may not be approved at this time.

If you would like to better understand your credit profile, you may find it helpful to review your credit report. You can also contact the credit reference agencies directly for further information.

You can access your TransUnion credit report here: https://www.transunion.co.uk/consumer/get-your-credit-report

Pre-eligibility checks may use soft searches that do not impact your credit score. If you proceed to full application, a credit search may be recorded with a Credit Reference Agency.

To apply for a Flex Credit Card, you must have a minimum annual income of £18,000.

Once your application has been reviewed, Flex will notify you of the outcome by email. You will also be able to view the status and outcome of your application directly in the Flex app.

Your minimum payment is the minimum amount you need to repay from your monthly statement balance by the payment due date.

Your minimum payment amount will be shown in your statement and within the Flex app. Missing a minimum payment may result in fees, interest charges, or impact your credit file.

Once a Flex account has been closed, reopening the same account may not be possible.

If you wish to use Flex again in the future, you may be required to submit a new application, which will be subject to Flex’s applicable checks and approval processes.

Flex offers digital-only support and does not currently provide customer support through phone or live agents.

Customers can:

-refer to the FAQs available in the Flex app,
-chat with Flex’s AI-supported chatbot for real-time assistance, or
-contact Flex directly through the Help section in the app or by emailing support@flexcard.app

We'll acknowledge your query as soon as possible, typically within 5 business days. If your query is more complex and requires further investigation, we'll keep you updated on its progress..

If you believe your Flex account or card has been compromised, you should immediately:

-freeze your card through the Flex app by navigating to My Cards > Freeze; and
-contact Flex through the Help section in the app or by emailing support@flexcard.app .

For urgent disputes or complaints, please include full details of the issue in your message so the relevant team can review it as quickly as possible.

Your net monthly income is the amount of money you regularly receive after tax, National Insurance, and any other deductions, such as pension contributions.

The income you include must be regular and may include:

-earned income,
-investment income,
-pension income,
-rental income,
-child maintenance, or
-regular payments received from another person into your bank account.

Please include only the amount you personally pay towards:
- both a mortgage and rent
- payments you make for properties in the UK and abroad
- Any ground rent, site or m

Don't include:
- Ground rent or service charge if your landlord pays it
- Any household bills
- Any bills included in your rent - only enter the amount for accommodation.

A financial dependant is anyone who depends on you for day to day financial support i.e. money, clothes or food. This might include children, relatives or spouses. Do not include children supported by maintenance payments you make.

Please include the essential childcare or care costs that you personally pay on a regular basis.

This may include childcare, child maintenance payments, disability care, elderly care, or other necessary care-related expenses.

Do not include general living expenses or optional childcare-related costs.

Please consider any expected increases to your regular essential expenses or existing financial commitments that you are already aware of.

Do not include future increases to savings or pension contributions.

You can use your Flex Credit Card anywhere Visa is accepted, including for in-store and online purchases.

Your minimum payment is shown on your monthly statement.

It is calculated as a percentage based on your outstanding balance which may include any interest, fees, and any overdue amounts.

Paying only the minimum increases the time it takes to repay and the total interest paid.

Your Direct Debit will normally be collected on your payment due date each month.

Your due date is shown on your monthly statement. Please make sure sufficient funds are available in your bank account.

Yes, you can change your Direct Debit details at any time.

To change your bank details, you can update them through the app by navigating to the Repayments section. You will need to complete a new Direct Debit setup for the new account.

Please note:

- Any changes should be made in advance of your next payment due date
- Missing/late payments may result in additional charges and could impact your credit file.