Flex Funds is a feature in the Flex app that helps you set aside money for future Flex payments. It makes budgeting easier by letting you save money ahead of time, so you’re prepared when a Flex payment is due.
How Flex Funds works
- Add money to your Flex Funds balance using a debit card. Credit cards aren’t supported.
- When your Flex payment is due, your Flex Funds balance is used first.
- If there isn’t enough in your balance, the remaining amount is charged to your default payment method.
- You can withdraw your Flex Funds at any time if your plans change.
Example: If your Flex payment is $50 and you have $25 in Flex Funds, Flex will use the $25 first and charge the remaining $25 to your default payment method.
Flex does not hold your money. Flex’s bank partners manage all funds and banking services related to Flex Bills.
Accessing the Flex Funds feature
You can find Flex Funds in the Flex app by going to Settings → Payment methods
From there, you can add or withdraw funds from your Flex Funds balance.
How to add funds
You can add funds to your Flex Funds balance up to 7 times every 30 days.
- From Settings tab, open Payment methods
- Select Add funds
- Enter the amount and select Continue
- Your Flex Funds balance will update
If there’s an issue adding funds, you’ll see an in-app message explaining why the attempt didn’t go through.
Maximum balance limit
Your Flex Funds balance can go up to 1.2x your monthly bill amount.
Example: If your monthly bill is $100, your Flex Funds balance can go up to $120.
Once you reach this limit:
- You won’t be able to add more money until your balance decreases
- You may see an error message or a declined transaction when trying to add funds
This doesn’t mean there’s a problem with your account. It just means you’ve reached the maximum amount allowed in Flex Funds right now.
How to withdraw funds
You can withdraw Flex Funds in the app up to 5 times every 30 days.
- Go to Settings → Payment methods
- Select Withdraw
- Enter the amount and select Continue
- You’ll see a confirmation if the withdrawal is successful.
Your Flex Funds balance will update right away, but it typically takes up to 3–5 business days for funds to be returned to the same debit card used to add the funds.
If a withdrawal fails, you’ll see an in-app message explaining why.
Reached the withdrawal limit? If you need to withdraw more funds after hitting the limit, contact Support in the app (Settings → chat icon). Our team can review your account and help.
Automatic withdrawal after 90 days
If you add Flex Funds to your balance but don’t use the Flex Funds feature for 90 days, your funds will be automatically withdrawn and returned to the debit card you originally used to add them.
Receiving a refund into your Flex Funds
If you pay your bill using a Flex provided debit card, you may sometimes receive a refund from your service provider that gets credited to your Flex Funds Wallet. This can happen when your service provider issues a partial or full refund due to a change in your account.
When this happens, any outstanding balance with Flex will be paid off first, and the remaining amount will be added to your Flex Funds balance. You'll receive an email with a full breakdown of how the refund was applied.
You can then withdraw any remaining funds using the steps above.
Learn more about Refunds and bill adjustments.