[iOS] Payments set to come out of bills pot are being taken from main account instead

Issue:

Payments set to come out of bills pot are being taken from main account instead.

Details to reproduce:

  • Set payment to come from bills pot
  • Confirm that payment is set to come out of bills pot
  • Receive notification that there are insufficient funds in main account for payment
  • OR If there are sufficient funds, payment taken from main account instead
    OS: IOS 13.1.1
    Device: Iphone 11 Pro
    App Version:

Monzo 3.1.0 #567

Screenshots:

This isn’t a bug…

All payments are meant to come from the main account. Your money is moved there from bills pot just in advance of payment e.g.
Screenshot_20190930-100021

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The notification issue does however need resolving

Yeah. They need to tweak the check code so that as well as asking “Is there enough money in the main account”, it also asks “Is there a bills pot set and is there enough money in it?”, and only show the notification when both answers are ‘No’.

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Which would make sense, only the other day it didn’t do that and just took it from the main account instead.

Confirmed by monzo chat that it shouldn’t have done that, and should have done as you describe here

Hopefully that is a one off and my original post is indeed wrong :slight_smile:

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This does worry me and slightly put me off using bills pots for bills greater than my usual account balance. In the event that a similar blip happens but there isn’t enough money in the main account, causing the payment to fail, where does liability lie? I’d worry about ending up out-of-pocket if I didn’t notice in time.

In retrospect it strikes me as the flow I mentioned earlier could be amended to show a message stating “You have £xx scheduled to come out of your bills pot tomorrow” or similar, in the event that the main account balance answer is ‘No’ and the bills pot answer is ‘Yes’, so the user can at least be aware to check all is well if they need to.

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Hi @JIMMWX

Thanks for the report. We’ve fixed the notifications, so you shouldn’t have this message going forward :slight_smile:

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Thanks.

In my case the combination of a payment that was supposed to come out of the pot but didn’t (Confirmed as a monzo issue by chat) and then this notification led me to believe that this may have been a bug.

Hopefully the payment that originated this will come out of the bills pot in time

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Update - The payments came out of the pot “just in time” as @SouthseaOne advised.

However @craigj there’s a logic challenge here that might be of interest. I’ve detailed what happened below.

  • I have a standing order “Bills” set to come from my main account into my bills pot on payday. This includes enough to cover the “house” SO below
  • I have a standing order “House” to a third party also due to come out on that day, from my bills pot
  • Expectation was;
    - Monzo takes bills standing order first, “pausing” the “house” SO
    - It then goes for the “house” standing order from the money in the bills pot

Reality;

  • Monzo takes both standing orders simultainously from my main account instead

Is there any logic options here, such as priotitising standing orders, or will I need to set the standing order to come out at a later date.

Sorry if that’s confusing.

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Apologies if I’m misreading anything here - but if everything is all happening on the same day, I can’t see why you’d need to use the bills pot, or why it would work for you. Bills pots work by segregating the money during the period between payday and the bill, moving the money back to the main account just-in-time for the bill to be paid.

If you’re getting paid on the same day the bill is going out, meaning you’re in no danger of accidentally spending the money, you don’t really need the pot - because at best, you’re transferring the money in there and it’s getting transferred right out again.

2 Likes

All my bills bar one come out at different points in the month, so the segregation and “just in time” method totally works.

I do have, though, one bill set to come out on payday. My simple understanding is that Monzo would have prioritised the standing orders, but I can see why it doesnt, so in the future I’ll just set that so it comes out alongside the bills transaction for those that come out later.

If you’re getting paid on the same day the bill is going out, meaning you’re in no danger of accidentally spending the money, you don’t really need the pot

It was a neatness thing.

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Hey @JIMMWX

Unfortunately there’s no way to prioritise standing orders, the easiest thing to do would be to set the standing order to come out at a later date.

Sorry about that! :pensive:

No worries, that’s what I presumed