I think we need to remember this is a test and first approach from 
at overdrafts. This may not reflect the final overdraft product. So for those of you saying monzo have f****d this up etc. Please take note of the above.
Personally think this is a great debate thread on how overdrafts could be implemented and how others are doing it. But let’s not get carried away.
What I think is missing from this thread is some official responses to genuine questions being asked about the current implementation. @alexs perhaps you could pull out the questions into a single wiki post or even separate thread and link to it from here. Then we can hopefully start getting some officially answered?