If you haven't moved over, what's stopping you from making Monzo your main bank?

[Ordog]

Some good advice on that here:

Why, why, why is the overdraft on my Monzo so poor?

It’s a blessing in disguise for me. I’ve always lived in an overdraft and paid many thousands in fees. Monzo offered me £0 overdraft and I have learned to create my own overdraft by making a pot with a couple of grand in it that I can use when I’m short, and instead of paying through the teeth for the facility I’m earning interest. I know this doesn’t answer why Monzo are so tight on overdrafts but I just thought I’d share one way of making this work out to your benefit.

Coupled with this so you’re not wasting money by paying fees to the bank

Why, why, why is the overdraft on my Monzo so poor?

you get a notification the day before direct debits are due out so you can transfer money to cover and you can manually retry them (until 2pm that day i think) if you’ve forgotten to move money