Draw down from pots to cover shortfall in account

[Monzojames]

Scenario:
I’m saving for a holiday and put all disposable money into my ‘holiday’ pot. I have £5,000 in this pot. As I’m saving hard I have £110 in my monzo account. I forget my car payment is coming out for £400, and it bounces.

Now I have the money, but it’s in a pot.

Feature Suggestion:
Elect a pot to be an ‘emergency draw down’ should the current account not have sufficient funds to pay for DD and standing orders.

Benefit for users:
Having to contact a credit company is a headache and time-consuming, and knowing this feature exists, I’d be more inclined to lean into savings through pots. Perhaps this feature is only available on ‘safety net’ pots?

Thanks!

[Revels]

Pot as overdraft

I’m not sure if this has been suggested yet, but I would like the ability to create an overdraft pot and set it so that should I go overdrawn the money from the pot is used rather than having to apply for an actual overdraft. Overdrafts are a saftey net, but I’d like the option to create my own before I ‘borrow’ from the bank. Shane