Nice infographic! This is a good indication of how certain merchants delaying the presentment for a month or so as a way of guaranteeing a pre-order payment, but in theory not using the balance, makes the Monzo method of deducting the money “early” a bit broken. Your balance is affected immediately, when you should be able to use that balance until the money is actually taken. It’s my main frustration with Monzo as detailed here alongside the annoying sound effects in-app that you can’t turn off.
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