What is the deadline time of day to have sufficient funds in your account to enable the direct debit to go through? I have just had one of these ‘failure’ notices for a DD due tomorrow on salary payment day but due to uncertainty as to whether my salary is going to old or new account this month I may not have sufficient funds in at 8am tomorrow morning!
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I’d also be interested to find out. Also, at what time will Direct Debits ordinarily be paid?
@j06 the difference is Monzo are being patently transparent about any fees charges etc that they are planning to make which makes it a much easier decision whether to go forwards with a CA or to decide to leave once the prepaid cards are phased out. I joined Nationwide BECAUSE at the time I could make overseas withdrawals without incurring charges and 2 years after joining they changed the goal posts and removed that as an option. It’s all about making an informed choice (and having one that is unlikely to be nullified when it becomes ‘inconvenient’ to the shareholders) when choosing your bank. I like thousands of others am a ‘member’ of the building society which supposedly affords benefits to me, in true the only benefit that I have seen has not been to me but to them in charges etc.
I plan to be a member of something that works for and with me this time 
So you had two years of free withdrawals from Nationwide then? They didn’t promise you forever, so why complain when they change their offering. If it no longer works for you, move on. Monzo are being open about it, but to the hundreds of thousands of pre-paid users signing up this year, who I’m pretty sure aren’t on this forum, the withdrawal of fee-free ATMs will be as much a shock as Nationwide was to you. Nationwide, which members co-own, are ranked highly for customer service, they offer the best value for money ‘value-added’ current account, market leading savings accounts and loans and lead the market in terms of mortgages. What exactly did you think you should get for being a member?
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@j06 Probably because I bought into this https://youtu.be/41YYYBtdz4k and instead got charges the 3rd time I went abroad. So not impressed… Haven’t changed as nothing has been offered by other banks that have impressed and yes I have got a Metro Bank account already that I use for spending, just couldn’t commit to sending my wages there.
Standing orders are starting to get confusing now too. I had a standing order to go 20th from a mainstream bank to starling and it left today as the next working day. But the standing orders from starling went out on Sunday (the date set on the SO).
Do 
set up actual standing orders or regular faster payments?
They use the Faster Payments network for this -
if you have any questions about how these payments work, I’d recommend replying to Liam’s post in that topic 
Hey Will, is there an update on the warning of outgoing DD’s?
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I think the problem with that is that Direct Debit payments can technically vary every month. Now typically they don’t but they can technically. E.g. one pays for a service that is usage based. Contrary to popular belief, Direct Debit instructions (by which I mean instructions - e.g. the creation of a Mandate) don’t actually contain or specify the amount that will be collected in the instruction or even explicitly when the payments will come out, the onus is on the Merchant in order to provide the regularity of payment collections and they can change the frequency and amount of the payment providing they notify you as a customer as per the DD Guarantee . So perhaps it’s just the wording of the notification needs to use sufficient wiggle words such as “Your direct debit payment for Bla normally comes out around the 3rd of the month and last month it was for £300”, that’s probably as good a message as you could get imho.
Same applied to Continuous Authority Card Payments. The first transaction contains a CA flag, then the frequency and amount can vary. For example, Amazon - they retain a CA on your card and every time you have a payment with them, it could be taken at any point for any amount. But at the same time, Netflix have a CA flag, they typically like to collect monthly for the same amount (until such a point when they raise the prices).
A smart algo should work out whether or not the Merchant typically collects a regular amount at a regular period and use that as the basis for such reminders / messaging, although a DDI is a fairly good indicator. Relying on a CA flag or DDI alone is probably not enough
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