Monzo Flex - Pay in full - fund source?

I couldn’t find an answer so I’m curious if anyone else knows?

If I do my day-to-day on the Monzo Flex card, and set it to Pay the full balance at the beginning of each month - I may as well keep cash in the savings account and keep my debit card on a balance of 0. What then, happens on the 1st of the month when the Flex card tries to pay the balance in full, will it:

  1. Decline the payment and I’ll have 24 hours to do it myself or I get a missed payment.
  2. Take the account into an overdraft arranged/unarranged
  3. Take the funds from the savings pot (Even though I can’t see a way to set this)

Thank you :slight_smile:

If you have a big enough arranged overdraft, it’ll be 2. If you don’t, then 1.

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Thank you!

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