The cross-flow over a surface-mounted elastic plate and its vibratory response are studied as a fundamental two-dimensional configuration to gain physical insight into the interaction of viscous flow with flexible structures. The governing equations are numerically solved on a deforming mesh using an arbitrary Lagrangian-Eulerian finite-element method. The turbulent flow is resolved using the unsteady Reynolds-averaged Navier–Stokes equations at a Reynolds number of 2.5×104 based on the plate height. The material properties of the plate are selected so that the structural frequency is close to the frequency of vortex shedding from the free edge of a rigid plate, which is studied initially as the reference case. The results show that the plate tip oscillates back and forth in response to unsteady fluid loading at twice the frequency of vortex shedding, which is attributable to the sequential formation of a primary vortex from the free edge and a secondary vortex near the base of the plate. The effects of the plate elasticity and density on the structural response are considered, and results are compiled in terms of the reduced velocity U* and the density ratio ρ*. The standard deviation of tip displacement increases with reduced velocity in the range 7.1⩽U*⩽18.4, irrespective of whether the elasticity or the density of the plate is varied. However, the average deflection of the plate in the streamwise direction displays different scaling with U* and ρ*, but scales almost linearly with the Cauchy number ∼U*2/ρ*. Interestingly, the synchronization between plate motion and vortex shedding ceases at U*=18.4, and the excitation mechanism in the latter case resembles flutter instability, rather than vortex-induced vibration found at lower U*.