That is a great idea and one that securely relies on Monzo’s ‘clock’ rather than the many variables involved with device clocks.
Using a local clock for anything is a surefire route to hair-pulling frustration, in my experience.
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Why not just pay early automatically as and when Monzo are notified?
I suspect having it auto pay at 4pm when they know the money can’t get clawed back would put extra strain on the servers and no doubt prob cost a bit more cash when the system has to scale itself up to cope with demand.
When people are manually doing it you’ll naturally just get peaks and troughs of demand
That would be mint!
Possibly. They could stagger the payments over the next four hours or so if that’s the case 
Can you imagine the forum posts if this was implemented?
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I’m not sure it would be any worse tbf. There could be a message the previous day along the lines of ‘Your money will arrive between 4pm and 8pm tomorrow.’
They could keep the button to claim it manually at any time after 4pm, and automate it too.
They already have notifications to remind people that they have can claim a payment early. Presumably that logic staggers notifications to prevent the surge described above - so the only missing bit is automating the claim.
I think the difficulty is automating it but also spreading the load.
If they pay everyone at 16:01 that will cause chaos. If they stagger it or at random, people will complain that it’s later than it was last month.
What they have now is probably the best mix. I tend to get mine at the first point I remember after 4pm, certainly sooner than I ever get the notification.
So many people don’t understand this feature and every month there’s newbies making threads asking about it, it’s even worse when there’s a Bank Holiday involved. A better help article/help or some sort of “If you get paid on xx” etc.
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It won’t. The back-end can cope with this load like it can with millions of credit and debit transactions outside of Get-paid-early.
The danger is people relying on it when there are issues beyond 
's control - like employers changing payment methods or people changing jobs. Then people scream “claiming my payment early stopped working, Monzo sucks, etc.”
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Not quite what a staffer is saying, I’m sure there’s reasons they decided to never automate and this is probably why
Well, he doesn’t say it will cause chaos or bring the server down, he just points out they are applying the general design principle of spreading loads.
I don’t think it should be automatic really, I guess the purpose of this feature is a little feeling of joy when you put your salary in early, when you automate you lose that and it just becomes an expectation.
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If it’s automated it massively reduces the novelty, and people just expect it, Monzo would want the customer reminded each time that they are doing them a favour by giving the money early and hope they pass on the word to others.
I can go some time without opening the app, and giving users another reason to open the app gives Monzo another chance to push information such as the info cards at the top of the feeds.
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I’m due to be paid Monday. So can I get my money today at 4pm??
Does it show greyed out in your feed?
If not, then you’ll probably have to wait for Monday.
This is what it shows today. I’m due to be paid Monday and it says this today
So yes, check back at 4pm to get the money early.
Like the app says.
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