I had a slightly annoying experience while on holiday.
I had a surf lesson at a place in Morocco. I thought I was paying for the lesson in advance, which was 500 MAD. However, it was actually a charge placed on the card as a deposit. I was supposed to go back and pay for the whole lesson at the end. I didn’t do this. A couple of days later I noticed the charge. I didn’t get the usual confirmation because presumably, the initial 500 MAD wasn’t a proper transaction.
As you can see, the transaction at ‘Ocean Ambassadors’ is slightly greyed out. Not sure what’s actually different about this transaction technically to make it greyed out like that. But it’s not clear enough that this isn’t a proper charge. I panicked and thought I’d been charged 500 EUR. I spoke over chat with Monzo customer support (which was great btw) and they just told me I’d have to get proof of purchase to get the money back.
I don’t have a huge problem with it. I managed to clear it up by going back, they refunded the money and I paid the proper amount. But it should be clear what that greyed out transaction actually is and why it’s greyed out.