This is so important and at the moment it goes against Monzo’s savings/pots/planning ethos.
I’m sure lots and lots of people are putting extra away now towards big energy bills that we know are coming and a great way to save us to put that money into a pot, that’s something Monzo promote heavily and leaving yourself your “available spend” in your account means you know exactly where you’re at.
But what if you dip into your overdraft by £50 today and you don’t get paid for another week? You shouldn’t have to take money out of your savings pot to artificially inflate another place, you’re not really moving that money anywhere.
This is made worse by the fact that Plus/Premium customers get interest on the balance, no matter which pot it’s in. It sounds dramatic, but it’s helping the rich get richer and punishing the poor.