Hi,
I did a search but couldn’t find much talk of this elsewhere. Something that is bugging me a little is the way direct debits work. It’s great that I get a notification if a direct debit failed but it would be nice to be able to have a chance to rectify the issue and add funds to my account. Some of my previous bank accounts gave me until 5pm to add funds to avoid failure.
Is this something on the roadmap in the future?
See this existing topic on this issue.
Thanks but not quite the same. My point is that there should be time allowed to correct balances before the end of the day that the payment was taken.
I think, once the pulse graph is up and running and starts to reflect DDs etc, this will all be a lot more obvious in advance. Then we could have notifications the day before so they wouldn’t have to fail in the first place.
I get what you mean. Feels like guilty until proven innocent lol. My current bank will reject direct debits after around 2pm I think if I have not rectified the balance to fund the payments.
Monzo currently you not only have to credit the account but then also contact support and ask them to now pay the DD. Sending a notification advising a DD ‘will be returned’ if the account is not credited would be a much better experience for the customer and also reduce workload for Monzo.
From reading elsewhere, I’m not even sure they will retry Direct Deits now making it more important to get this right.
Not having the ability for an overdraft and not notifying of a payment pending (both things my legacy bank do) I think would make it a very poor experience if a DD got declined with a ‘nothing we can do, should have been in credit’ message. Feels the opposite for what Monzo are trying to achieve.
Any chance you have a link for where you have seen this @Feathers
Here:
When my direct debits all failed in August due to lack of funds, I asked Monzo customer services that morning if there was a second try after I had topped up and they just asked me if I wanted to try again right now and then they pushed them all through.
At the very least I think a notification the day before would be sufficient. Hopefully it’s in the pipeline already
I can understand this is a manual process and not sustainable to manage in future. But there are so many alternatives before it gets to this point given banks know beforehand when a DD is pending. A standing order is fair enough. But you can top up and resend the payment yourself. A Direct Debit not so much and can cause fees at the other end.
Monzo coud:
I think it would be unfair of Monzo to not re-present DD’s unless something like the above is in place. Otherwise I am better leaving my direct debits where they are with my current bank.
Even my list of direct debits with my current bank have due dates if they are in the next 1-2 working days which is a good check to have around payday.
my bank contact me in the morning and will reject DDs at 4pm if account not topped up by then
Time to resurrect an almost dead thread 
I have a quick poll regarding this issue. The proposal is to move the processing time of Direct Debits from the current time (2am I believe) to 6 am.
Reason being that people note that they have Standing Orders/Salary Direct Credits that come in around the same time and they can be applied in the wrong order.
This can lead to a Direct Debit failing because a Standing Order/Salary from another bank hasn’t arrived/been processed yet.
Therefore, a poll 
0 voters
Disclaimer: this may not happen, it’s just something we’re looking at as a short term solution to ease a pain point
The time thing isn’t an issue for me. The main issue is that I am used to being told that a direct debit has failed and I have until 5PM to add funds to avoid failure. Is this not approach that can be adopted by Mozno?
Currently I approve of the notification the day before advising of any standing orders or direct debits due, but it cannot always be accurate as some direct debits fluctuate.
I understand - unfortunately it is not due to many complicated reasons that I am not too sure about!
From what I have learnt, this requires rebuilding the service that handles Direct Debits and this should happen at some point. However, we wanted to look at ways we could improve the pain in the interim.
How could we improve the notification the day before the Direct Debit?
How about “You have a regular payment of £50 due tomorrow, but we notice there is only £25 in your account. You may like to transfer some money in from elsewhere, or from one of these pots:”
I dunno, maybe me. But having your salary & direct debits on the same day is foolish.
I get paid on the 15th, but always set my direct debits for the 17th at the earliest.
The notification itself is ok and it is a useful interim. The mechanics are the problem.
I think there should be a setting to “auto-dip” into your pots if you want to, this would work for me as I’d rather my savings be used than incur an admin fee from the supplier.
I get your point and that works well for hose that get paid monthly, a lot of people get paid weekly though or get money ad-hoc.
If paid weekly, space direct debits out after each payment. 