@ciara__anne: ad. Budgeting for the moments you don't want to miss out on is important - which Monzo Flex on Apple Pay allows me to do. I get to enjoy the things I love about London (great restaurants!) whilst budgeting carefully and still saving and investing. @monzo Representative example: 29% APR representative (variable). 1200 credit limit. 29% yearly interest (variable). 18+, UK residents. Monzo account required. Credit if eligible. Ts&Cs apply. Missed payments may negatively impact credit scores. Loans not offered by Apple.