Flex Credit Card

A digital-first UK credit card offering flexible repayments, fair charges, and responsible lending all managed in one secure app.

FLEX is a different kind of UK credit card, built around one simple idea: pay for what you owe. Made a repayment? Great. With FLEX, interest is charged only on the balance that remains outstanding — not on the amount you’ve already paid back. Because paying down your balance should make a difference. You decide how to repay. Pay your statement balance in full, choose a percentage, or enter a custom amount that suits you. And our pricing is simple too. Everyone approved for FLEX receives the same APR. Only your credit limit varies, subject to status, creditworthiness and affordability checks. With FLEX, you can: • See transactions as they happen • Check what you’ve spent and what you owe • Pay your statement balance in full • Choose a percentage to repay • Enter your own custom repayment amount • Access statements and key documents • Manage your card securely • Stay in control wherever you are One clear APR. Flexible repayments. Pay for what you owe. FLEX is designed to make managing credit clearer, simpler and easier to understand. All applications are subject to eligibility, creditworthiness and affordability checks. Credit limits vary based on individual circumstances and are subject to status. Availability is currently limited. Terms and conditions apply.