My pay gets sorted into pots, including a ‘Bills’ pot, a day before the end of the month (hey, that’s today!)
Payments for regular bills then come out of that pot.
Because the total of the predicted bill payments is larger than the amount left in my main account, this results in a notification saying “It looks like you may go overdrawn tomorrow”, which is never true.
The app should take into account whether payments are being paid from pots when it’s calculating whether the user is about to go overdrawn.
Strange - I work in sort-of the same way (but with a Joint account for my sins):
All bills (CPA’s excepted) are designated to be paid from a Bills pot.
Once paid, we bang our money into my Personal (Max) account savings account - for the interest.
I then check Monzo every day and once a notification of an upcoming bill is shown, I transfer from Savings to the Bills pot the day before. If I transfer in the morning, I never get the ‘you don’t have enough funds’ message. If I transfer later in the day, I sometimes get the ‘you don’t have enough funds’ message.
So in my case it seems to work as expected - the Bills pot is included in the calculations:
Funds in designated Bills pot waiting to pay upcoming pay-from-pot bill = no message
No funds in designated Bills pot to pay upcoming pay-from-pot bill = reminder message
I get this every month in a slightly different scenario.
We each have a scheduled deposit from our personal Monzo accounts into our Monzo joint account where bills are paid. Every month we get the same “It looks like you may go overdrawn tomorrow”, despite our personal accounts having plenty of money and the transfer is pending.
TL;DR same as this pots situation but across personal / joint accounts.