It may be worth adding some text advising future payments need the funds available on the due date as a prompt but correctly should let you set it up as it doesn’t yet know what your balance will be.
Though I notice with Starling debits are presented before credits on the morning payments. This could present issues if the credit (salary) is paying the debit (future payment).
Direct debit low funds notification 
is same on Android. I tested this about 5 weeks ago.
Hi Chris
re: the emails - my bad; some people, a fair few, did in fact sign up with the wrong email address; but, in addition to those, I also sent out a few emails in error, because of the way I compiled my mailing list - sorry 
; if you were one of the people who received the email in error, don’t worry, your account wasn’t affected in any way and you don’t need to do anything (or, if you re-registered your interest, that’s also fine, we’ll discard duplicates)
re: being in the next batch - that sounds about right, we’re gradually going through that list; though I don’t want to put an exact date on when a particular batch will be run; probably going to be over the coming days and weeks
Thanks,
Maria
I’ve also been trying since then!
Ah OK, thanks for this. To be fair the only payment failure I’ve had recently is a reoccurring payment so technically not a Direct Debit so this would not have been triggered. Thanks for the info 
Hi Ganey,
We only started looking at the users who have expressed an interest in overdraft on Friday Jan 5th. And we’re still going through that list. So I’d give it a little bit longer 
Maria
Okay awesome! Thanks for letting us know
If you don’t have money then you know that you’re going to be paying 50p. This message gives you a chance to transfer money, if you have it.
Good message.
I half agree. It’s great it’s trying to keep me out of the overdraft but my main concern would be if payments may be declined. This is a much more valuable message to me.
Makes it sound like it’s still pre-pay. Top-up, add money, etc shouldn’t be used. It should be looked at and spoken about as if it’s the users only account.
If it is the users only/main account then (for the majority of users) if they had money it would be there.
Should be just, ‘You’re about to go into your overdraft, the charges are…’
Akes a lot of sense to me, the majority of my funds are in Pots so moving money to cover a DD is a no brainer. Great message!
I like the message too
I like the message but it only relates to overdraft. If you don’t have an overdraft (around 95% of users right now) or the payment takes you over this then what message is displayed.
I don’t have an overdraft and when I had a direct debit due there was no warning. Just a straight decline on the morning due date.
This is why I am keen to understand more.
Speaking of Pots and OD, if you have pot balance, and using an overdraft, do you still get charged if the overall sum of these is positive?
Starling will only bill you for the OD if your overall balance is negative.
Yes you will still be charged. Best to move the money over 
Putting it in a pot ringfences it and makes it more like savings imo. If I could just pull from my savings pot as and when I liked, that means it isn’t really amount I’ve set aside to save. Obviously it’s all about self-control but another step really makes you think about what you spend. You’ll be notified anyway if you dip into overdraft, so there’s no chance of getting charged without knowing.
Starling does it differently to Monzo. I’m not sure what you’re trying to prove, to be frank.
Only I can be Frank. Well, and @effsee , he can be Frank too 
The Starling approach is confusing IMO. I’m not saying it’s completely wrong (in fact they are “nice” in not making you pay for overdraft charges because you have money in pots/goals compared to Monzo which would still charge you in this case), however it is really confusing. How come I have “925£ overdraft remaining” if I have “0£ overdraft spent”?
I like this message as well. Note that at the moment there is (what I consider at the very least) a “bug” where the same message (mentioning overdrafts) is displayed even if you don’t have an arranged overdraft. More info: Overdraft charges notification and delayed transactions
For anyone wondering, the backend service responsible for sending this doesn’t know nor care which app you are using, so this message will be exactly the same on Android. 
Edit: I however wish this would be a proper feed item instead of a push notification, as it happened to me once when I opened the app without reading the message fully (and at least on iOS, opening the corresponding app clears all pending notifications), and not being able to see it again, thought my account was compromised and someone had set up a DD/Standing order without my permission. COps cleared it up but I still wish this notification would be persistent no matter how many times you open the app.