How do monzo know this is coming, who told them cos I never, and if I never told them and the other company did, then why did they not just sent the money straight over instead of telling monzo to expect it in 3 days time???
BACS. These payments are sent over the BACS network which take 3 days from loading in to clear in the receiving bank account.
More precisely, 3 working days. Hence appearing as 3 days from now in the screen shot above.
Monzo shows all BACS transactions that will clear on the next working day.
*1 working day