At some point in the next few days, I need to go into a shop and make a large payment (like many thousands of pounds big). I’m planning to do this with my Monzo debit card. The money will be in my account, but I’d just like to reassure myself that this isn’t going to be a problem.
Daily limit is £10,000 but if it’s massively outside your normal spending habits I’d do as @anon75875116 suggests and let them know in app
(Press ‘Help’ search ‘Contact us’ or email firstname.lastname@example.org or call 0800 802 1281)
There’s no reason it shouldn’t. As @anon75875116 said, notify them if you’re concerned.
If it were me, I’d try to make sure you’ve an alternative method of payment with you, if possible. Even if it that’s only having the ability to transfer the money to another bank/card and then using that.
As the purchase/service costs more than £100 and less than £30,000 I’d strongly recommend you consider paying for it partly on a credit card if you can.
The credit card company is jointly liable in the event the contract is breached (eg. the seller goes bust) or the item/service is misrepresented. You don’t even need to reach a legal ‘stalemate’ with the seller, and the protection is enshrined in law making it stronger than a debit card chargeback.
Even if you pay just £1 on your credit card, you’ll be covered.