Many people in the UK make partial repayments on their credit cards — paying more than the minimum, but less than the full statement balance — without realising that interest continues to accrue on the remaining balance. Today, 
around 57% of UK credit card holders repay this way.

At Flex, we’re building a digital-only, app-based credit card designed for how people actually use credit. Our focus is on clarity, transparency, and better serving partial repayers — those who repay more than the minimum but less than the full statement balance.

Flex is authorised and regulated by the Financial Conduct Authority and is currently preparing for launch. We are onboarding users through a controlled beta phase as we continue to test and refine the product.

We plan to go live in late January 2026.

To learn more and register your interest, visit www.payforwhatyouowe.com or www.flexcard.app.

Flex Credit Card

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Flex Credit Card

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